"organisations caught in tit-for-tat nation state-backed attacks being left high and dry"
Understandable, even if it is an easy cop-out for insurers.
It is obvious that insurers, however close to lawyers they may be, do not have the funds to reimburse damages that can be attributed to acts of war.
Otherwise, if you really want that kind of protection, imagine what your insurance bill is going to become . . .