Which statement about Computer Fraud coverage geographic scope is correct?

Which statement about Computer Fraud coverage geographic scope is correct?

• A. It provides coverage worldwide
• B. It only applies on the insured's premises
• C. It excludes international locations
• D. It applies only within the United States

Answer: (A)

Geographic scope for Computer Fraud coverage is worldwide. Computer fraud incidents can arise from or affect systems anywhere—through cloud services, remote access, or cross-border data flows—so the coverage is designed to apply globally rather than being confined to a single location. The idea that it only covers the insured’s premises or only within the United States doesn’t fit how cyber risks operate today, and policies would need an explicit endorsement to limit the territory. Therefore, the correct understanding is that this coverage provides worldwide protection.

Geographic scope for Computer Fraud coverage is worldwide. Computer fraud incidents can arise from or affect systems anywhere—through cloud services, remote access, or cross-border data flows—so the coverage is designed to apply globally rather than being confined to a single location. The idea that it only covers the insured’s premises or only within the United States doesn’t fit how cyber risks operate today, and policies would need an explicit endorsement to limit the territory. Therefore, the correct understanding is that this coverage provides worldwide protection.