Insure Cybersecurity Act of 2025

The Insure Cybersecurity Act of 2025 establishes a working group within the Commerce Department to improve clarity around cyber insurance policies. The working group, composed of federal agencies (like CISA and the FTC), state regulators, and stakeholders, will analyze and explain technical policy terms, coverage limitations, and how policies relate to common cyber incidents (such as ransomware) in plain language for customers - especially small businesses. It will develop voluntary resources for insurers, brokers, and customers to better evaluate coverage and understand policy terms, and submit a report to Congress within one year. The bill does not change insurance regulations but focuses on making existing policies more transparent and accessible.