Earlier quoted context omitted.
While I’m opposed to using legal terms to weasel out of an insurance claim, it’s an interesting question. If Russia deliberately dropped a bomb on Merck’s factory, it would unquestionably be an act of war. Likewise if they dropped a bomb on a neighboring plant and also accidentally destroyed Merck’s plant. But dropping a bomb on a facility in Ukraine, with equally destructive shrapnel destroying facilities all over t…
Dropping a bomb is not an act of war because of the target itself. It is because to do it you have to violate the country's whole security system and cause damage to the country's real state, which is an act of war, whereas to invade a company's cluster of computers you don't have to compromise the country's whole cybernetwork. It is interesting though to think about aftermath. If it is not an act of war, one can com…
I would counter that you don't need to violate all of the US's defense to bomb Hawaii and we all know how that was received. So yes, a state sending assets to go destroy some other state's property within the borders of said state is generally considered an act of war. That said, details matter a lot and these situations are basically handled on a case by case basis.