A frightened truck driver dodging a barrage of bullets fired from the assault rifles of a drug-smuggling criminal gang doesn’t seem like the obvious description of the final stages of a cyber attack.

But the real-life scenario that played out after the driver unwittingly picked up a cargo container that should have been filled with fruit or construction materials but instead had cocaine and heroin is one of the events sparking the growing interest of property, marine, energy and industrial insurers in “cyber physical” losses, a risk modeler revealed recently....

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