Recent Ohio Court Ruling May Expand Insurance Coverage for Cyber-Attack

Alan B. Dailide, Frantz Ward

The construction industry, like many other industries, is becoming increasingly dependent on the internet and on internet-enabled technologies. While use of these technologies offers several benefits to construction and design professionals, it also heightens their risk of cyber-attack. 

A recent Ohio Court of Appeals decision potentially opened the door for broader coverage from cyber-attacks under traditional insurance policies. In Emoi Servs., LLC v. Owners Ins. Co., 2021-Ohio-3942, an Ohio-based company sued its insurance company after the insurer denied coverage for the losses the company incurred following a 2019 ransomware attack that left the company's computer files encrypted and inaccessible. 

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