[upofadown]

If a country funds a bunch of script kiddies to attack something somewhere does that make the attack a state action? If the state takes measures to conceal the source of that funding then is it still a state action? If a group of script kiddies takes action due to a general suggestion from a state actor? If a group of script kiddies with political aims congruent with one or more state actors takes action all on their own?

This stuff is fundamentally different than the case where a group of people end up with guns and engage in politically motivated violence. It is really a form of advanced trolling. The fact that absolutely anyone can do with with no fear for their life or freedom makes it politically meaningless.

There is no such thing as cyberwar...

So insurance is really just about insuring against security lapses. It should be priced appropriately and should come with requirements.