S. 245 · On the floor · Science, Technology, Communications

Insure Cybersecurity Act of 2025

What it does

Requires NTIA to establish a working group on cyber insurance policies, which cover losses, damages, and costs from cyberattacks and related incidents.
Directs the group to develop information for customers on evaluating policy options and for insurers on clearly communicating policy provisions.
Requires plain-language explanations of common policy terminology, how provisions map to incidents such as ransomware and ransom payments, and insurer constraints on covering losses like reputational damage.
Requires NTIA to publish resources for cyber insurance stakeholders, including the group's recommendations, when its term ends.

Official summary

Insure Cybersecurity Act of 2025 This bill requires the National Telecommunications and Information Administration (NTIA) to establish a working group on cyber insurance policies. Under the bill, these are defined as policies that offer coverage for losses, damages, and costs incurred due to cyberattacks and related incidents. The working group is directed to analyze and address issues in the cyber insurance market facing both insurers and their customers. Specifically, the working group must develop information for customers on how to effectively evaluate policy options, and for insurers on how to clearly communicate with customers regarding policy provisions. Additionally, the working group is directed to analyze and explain in layman’s terms terminology commonly used in cyber insurance policies, including terminology used to include or exclude coverage for losses from cyber incidents; how common policy provisions correspond to cyber incidents and potential responses, including ransomware and potential ransom payments; and constraints faced by insurers in covering higher losses in cyber risk areas, such as reputational damage and loss of intellectual property. At the conclusion…

Latest action

Jun 9, 2025: Placed on Senate Legislative Calendar under General Orders. Calendar No. 90.

Committee: Senate Commerce, Science, and Transportation