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    "result": {"data":{"platform":{"post":{"id":"67cf98ab8218f118d171a1d6","slug":"why-retroactive-dates-cyber-insurance-dont-mix","path":"/posts/why-retroactive-dates-cyber-insurance-dont-mix","name":"Why Retroactive Dates & Cyber Insurance Don’t Mix","title":null,"pretitle":null,"subtitle":null,"published":"2026-05-14T05:32:02.43","content":{"plain":"Retroactive date\nCyber policies commonly include a retroactive date, the intended effect of which is that cyber insurers have no liability for any acts, incidents or circumstances that were committed, occurred or arose prior to that date. The consequence of this retroactive date is that if a cyber incident occurs before the retroactive date, and is only detected some time after that date, then the Insured may not be covered under their policy.\nYour clients should be aware of the impact of retroactive dates and be very clear as to what the impact may be of their inclusion within their policy. In particular, if the retroactive date is the “Inception Date”, then coverage is only provided for incidents that occur after that date and the threat of Dwell Time may mean that coverage is excluded. Alternatively, there are leading polices in the market that do not contain retroactive dates.\nSync Underwriting &amp; Retroactive Dates\nSync Underwriting’s approach to this matter is simple – if your client buys a cyber policy and at the time of purchase they are unaware that they have suffered a cyber incident, then when they do discover the incident, their policy should provide coverage, regardless of when the cyber incident occurred. Therefore, there is no retroactive date within the Sync Underwriting policy and no mention of one.\nExample\nIn the graphical example below, we compare how Sync Underwriting’s policy compares with Insurer B’s, which has the inception date as the retroactive Date. In the example, the cyber intrusion occurs 3-months prior to the inception date but was not detected until after the policy incepted. Sync Underwriting’s policy provides coverage, however Insurer B’s may not respond.\n\n\n\n\nCyberCX 2025 Threat Report\n\n","text":"**Retroactive date**\n\nCyber policies commonly include a retroactive date, the intended effect of which is that cyber insurers have no liability for any acts, incidents or circumstances that were committed, occurred or arose prior to that date. The consequence of this retroactive date is that if a cyber incident occurs before the retroactive date, and is only detected some time after that date, then the Insured may not be covered under their policy.\n\nYour clients should be aware of the impact of retroactive dates and be very clear as to what the impact may be of their inclusion within their policy. In particular, if the retroactive date is the “Inception Date”, then coverage is only provided for incidents that occur after that date and the threat of Dwell Time may mean that coverage is excluded. Alternatively, there are leading polices in the market that do not contain retroactive dates.\n\n**Sync Underwriting & Retroactive Dates**\n\nSync Underwriting’s approach to this matter is simple – if your client buys a cyber policy and at the time of purchase they are unaware that they have suffered a cyber incident, then when they do discover the incident, their policy should provide coverage, regardless of when the cyber incident occurred. Therefore, there is no retroactive date within the Sync Underwriting policy and no mention of one.\n\n**Example**\n\nIn the graphical example below, we compare how Sync Underwriting’s policy compares with Insurer B’s, which has the inception date as the retroactive Date. In the example, the cyber intrusion occurs 3-months prior to the inception date but was not detected until after the policy incepted. Sync Underwriting’s policy provides coverage, however Insurer B’s may not respond.\n\n\n<ImageAsset id=\"67cf99278218f118d171a1df\" />\n\n\n* CyberCX 2025 Threat Report"},"openGraph":{"title":null,"description":{"plain":"Dwell Time\nIn 2024, espionage incidents had an average time to detect of 403.8 days and financially motivated incidents had an average time to detect of 23.7 days.* This time to detect period is known in the cyber security industry as ‘dwell time’ and measures the period during which cyber criminals have free access to a network – from the initial intrusion to detection.\n"},"image":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1741658094/rhodian/banner/time-bomb_image__iStock-488677006_tnbidi.jpg","url2x":null,"thumbnails":{"card":{"url":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_480/v1741658094/rhodian/banner/time-bomb_image__iStock-488677006_tnbidi.jpg","url2x":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_960/v1741658094/rhodian/banner/time-bomb_image__iStock-488677006_tnbidi.jpg"},"bubble":{"url":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_64/v1741658094/rhodian/banner/time-bomb_image__iStock-488677006_tnbidi.jpg","url2x":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_128/v1741658094/rhodian/banner/time-bomb_image__iStock-488677006_tnbidi.jpg"}}}},"intro":{"plain":"Dwell Time\nIn 2024, espionage incidents had an average time to detect of 403.8 days and financially motivated incidents had an average time to detect of 23.7 days.* This time to detect period is known in the cyber security industry as ‘dwell time’ and measures the period during which cyber criminals have free access to a network – from the initial intrusion to detection.\n","text":"\n**Dwell Time**\n\nIn 2024, espionage incidents had an average time to detect of 403.8 days and financially motivated incidents had an average time to detect of 23.7 days.* This *time to detect* period is known in the cyber security industry as ‘dwell time’ and measures the period during which cyber criminals have free access to a network – from the initial intrusion to detection."},"outro":{"text":"Sync Underwriting Pty Ltd (“Sync Underwriting”) (ABN 17 678 294 712) is an insurance underwriting agency and distributes and administers insurance policies on behalf of Insurers. Sync Underwriting is a Corporate Authorised Representative, CAR No. 1312389, of Halo Underwriting Pty Ltd (ABN 48 008 497 318).\n\nThe article contains commentary of Sync Underwriting’s cyber insurance policy, Policy Wording v 1.0, and coverage contained within. This article does not form part of the policy terms and conditions. You must read the full policy wording for a full description of the terms and conditions. Please note that any individual claims will be determined on the facts of the incident and any claims examples contained within this article do not relate to individual circumstances.\n\n\nFor further information, please contact:\n\nRichard Smith Richard.Smith@syncuw.com.au\n\nMobile – 0477 377797"},"videos":[],"imageAssets":[],"organisations":[{"id":"669760a52512c86d90027d65","name":"Sync Underwriting","slug":"sync-underwriting","path":"/organisations/sync-underwriting","logo":{"id":"image_rhodian/organisation/sync-underwriting_logo__Sync_logo_colour_ttqqct","url":"https://res.cloudinary.com/shapeable/image/upload/v1721196608/rhodian/organisation/sync-underwriting_logo__Sync_logo_colour_ttqqct.webp","url2x":null,"thumbnails":{"bubble":{"url":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_64/v1721196608/rhodian/organisation/sync-underwriting_logo__Sync_logo_colour_ttqqct.webp","url2x":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_128/v1721196608/rhodian/organisation/sync-underwriting_logo__Sync_logo_colour_ttqqct.webp"}},"type":"image/webp"}}],"people":[{"id":"6736a6cd9a5f4ad160fb7b1e","name":"Richard Smith","slug":"richard-smith","path":"/people/richard-smith","organisation":{"id":"669760a52512c86d90027d65","name":"Sync Underwriting"},"linkedin":"https://www.linkedin.com/in/richard-smith-203147145/","position":"Chief Executive Officer","photo":{"id":"image_rhodian/person/richard-smith_photo__Richard_Smith_1_lfltht","url":"https://res.cloudinary.com/shapeable/image/upload/v1732166607/rhodian/person/richard-smith_photo__Richard_Smith_1_lfltht.webp","url2x":null,"thumbnails":{"bubble":{"url":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_64/v1732166607/rhodian/person/richard-smith_photo__Richard_Smith_1_lfltht.webp","url2x":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_128/v1732166607/rhodian/person/richard-smith_photo__Richard_Smith_1_lfltht.webp"}},"type":"image/webp"}}],"embeds":{"citations":[],"pages":[],"people":[],"imageAssets":[{"id":"67cf99278218f118d171a1df","slug":"example-1","image":{"id":"image_rhodian/image-asset/example-1_image__Screenshot_2025-03-11_at_12.59.28_pm_oiyykh","url":"https://res.cloudinary.com/shapeable/image/upload/v1741658391/rhodian/image-asset/example-1_image__Screenshot_2025-03-11_at_12.59.28_pm_oiyykh.png","url2x":null,"width":628,"height":239,"type":"image/png"}}]},"banners":[{"id":"67cf97fb8218f118d171a1d0","name":"Time bomb","slug":"time-bomb","title":null,"description":{"text":""},"alternateText":null,"image":{"id":"image_rhodian/banner/time-bomb_image__iStock-488677006_tnbidi","url":"https://res.cloudinary.com/shapeable/image/upload/v1741658094/rhodian/banner/time-bomb_image__iStock-488677006_tnbidi.jpg","url2x":null,"width":683,"height":512,"type":"image/jpeg"}}]}}},"pageContext":{"lang":{"id":"en","path":"","iso":"en","name":"English","label":"English"},"availableEntities":["Page","Post","FeedEntry","Video"],"detailEntities":["Page","Post"],"site":{"id":"65d566e0f7d2d452331bf0e3","slug":"rhodian","name":"Rhodian","url":"https://rhodian.com.au","title":"Rhodian","twitter":null,"threads":null,"facebook":null,"linkedin":"https://www.linkedin.com/company/rhodiangroup","instagram":null,"flickr":null,"tiktok":null,"youtube":null,"ownerName":"Rhodian","recaptchaKey":"6LdDQxwkAAAAAOJ_pLxAaXbpytdvGAuekNkqg6d0","googleSiteVerification":"QrqozC_nD82lnaYFTuo91ylOdmN6u59ZW4gE2wA-1kA","platformName":"Rhodian Community Platform","platformUrl":"https://rhodian.shapeable.ai","supportEmail":null,"contactEmail":null,"mainMenu":{"id":"65d566bdf7d2d452331befd0","slug":"website-navigation"},"linearMenu":null,"entityViews":[],"entityAppViews":[],"entityOnboardingViews":[],"gptLanguages":[],"gptQuestionTemplate":null,"advertisements":[],"logoVerticalOffset":null,"logoHorizontalOffset":null,"logoVerticalOffsetMobile":null,"logoHorizontalOffsetMobile":null,"logoVerticalOffsetTablet":null,"logoHorizontalOffsetTablet":null,"logoVerticalOffsetDesktop":null,"logoHorizontalOffsetDesktop":null,"logoHeightMobile":null,"logoHeightTablet":null,"logoHeightDesktop":null,"headerHeightMobile":null,"headerHeightTablet":null,"headerHeightDesktop":null,"logo":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170403/rhodian/site/rhodian_logo__rhodian_logo__logo_ps3pgm.png.png","type":"image/png","width":330,"height":50},"logoInverted":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170404/rhodian/site/rhodian_logoInverted__rhodian_logoInverted__rhodian-logo-inverted_qmabxo.png.png","type":"image/png","width":330,"height":50},"footerMenu":{"id":"65d566bdf7d2d452331befd0","slug":"website-navigation"},"footerSecondaryMenu":null,"footerContent":{"text":"© {year} Rhodian. 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