Business Interruption After an IT Outage
Das Wichtigste in Kürze
- Downtime losses are often larger than the direct technical repair cost.
- Coverage depends on trigger, waiting period, documentation, and declared revenue dependency.
- SME with cloud-heavy operations should compare cyber cover and business interruption wording together.
For many companies in Germany, the biggest cyber loss is not the incident itself but the downtime that follows. Orders stop, client communication breaks, and teams switch into manual fallback mode.
What Determines Coverage
Insurers look at the cause of the outage, the waiting period, the declared business model, and how well the interruption can be documented. This is why policy wording matters as much as premium.
Operational Reality
If your sales, support, or production depend on digital systems, review whether your current cyber insurance actually includes meaningful interruption cover. For ransomware scenarios that cause this type of outage, see also the ransomware protection guide.
Lost revenue, extra operating cost, recovery cost, and sometimes supplier-related disruption after a covered event.
No. Coverage depends on whether the policy covers cyber incidents, technical failure, or external provider outage.
Recovery processes, backup tests, outage logs, and revenue documentation.