War, hostilities, civil unrest and acts of god have been standard exclusions in insurance policies, well, forever. I'm not sure why this would be any different

War, hostilities, civil unrest and acts of god have been standard exclusions in insurance policies, well, forever. I'm not sure why this would be any different, but for the "cyber" that gives HN something to talk about. After all, a bloodless coup or invasion would be an act of war without retaliation. Normal civil standards of proof would be all that's needed.