Cyber insurance is designed to provide coverage for a range of cyber incidents, but there are certain situations and types of events that may not be covered or may have limited coverage. It's important to understand that the specifics of cyber insurance policies can vary, so it's essential to carefully review the terms and conditions of a particular policy. Here are some types of cyber incidents that may not be fully covered by cyber insurance:

1. Nation-State Attacks: Some policies may exclude coverage for cyberattacks carried out by nation-state actors, as they can be highly sophisticated and challenging to attribute.

2. War or Acts of Terrorism: Cyber incidents resulting from acts of war or terrorism may not be covered under standard cyber insurance policies.

3. Employee Misconduct: If an insider, such as an employee, intentionally causes a cyber incident, it may not be covered, especially if the policy excludes intentional acts.

4. Unreported Vulnerabilities: If an organization fails to patch known vulnerabilities and a cyber incident occurs as a result, it might not be covered.

5. Failure to Implement Security Practices: Insurers may deny coverage if the organization didn't follow recommended cybersecurity best practices or failed to implement adequate security measures.

6. Breach of Contract: If the cyber incident results from a breach of contract or violations of specific terms and conditions, coverage might be denied.

7. Lack of Disclosure: Failing to disclose important information during the insurance application process, such as previous breaches or inadequate security measures, can lead to denied claims.

8. Loss of Intellectual Property: Some policies may not cover the loss of intellectual property, which can be a significant concern for certain businesses.

9. Criminal Acts: Cyber insurance typically won't cover illegal activities or criminal acts, including fraud.

10. Reputation Damage: While some policies cover notification and recovery costs, they may not fully cover reputation damage and loss of customer trust.

It's crucial to work closely with your insurance provider to understand the specific terms and exclusions in your policy. To ensure adequate coverage, organizations often engage in risk assessments, implement robust cybersecurity measures, and regularly review and update their insurance policies to match the evolving cyber threat landscape. Consulting with an insurance professional with expertise in cyber insurance can also be beneficial in making informed choices regarding coverage.