Which of the following is NOT typically considered an insurable loss in cyber insurance?

Employee salaries are generally not considered an insurable loss under cyber insurance policies because these policies primarily cover financial losses directly associated with cyber incidents, not ongoing operational expenses like salaries. Cyber insurance typically addresses losses that stem from business interruption, data breaches, identity theft, and the costs incurred during incident response. Business interruption losses represent the economic impact of a disruption to normal business operations caused by a cyber event. Information or identity theft covers the financial damages or liabilities resulting from the theft of sensitive data. Incident response costs encompass the expenses related to managing and mitigating the effects of a cyber incident, such as forensic investigations and public relations efforts.

In contrast, employee salaries are a routine cost borne by the organization regardless of whether a cyber incident occurs. Cyber insurance does not typically extend to cover these operational costs, which distinguishes this option from the others typically covered under such policies.