“But there is currently no good way for talking about and dividing up the different impacts of a single piece of code in the context of insurance claims, so the question becomes misleadingly binary: Was NotPetya’s impact an act of cyberwar or not? Merck wasn’t specifically targeted by NotPetya; it was a noncombatant outside the theater of war, but that doesn’t mean a war wasn’t and isn’t going on.”
Source: Cyberattacks Are Shaking Up the Insurance Industry