Tricked by a hacker’s sending emails purportedly from her boss, Ernst’s accounts payable clerk wire transferred $200,000 to banks from which the money was swiftly withdrawn.  Ernst sued its insurer to recoup its losses.  This decision holds that the loss fell within the computer fraud coverage of loss “resulting directly from the use of any computer to fraudulently cause a transfer of that property from” Ernst.  Though the clerk authorized the wire transfers, she did so only because defrauded by the hacked emails, so the transfers resulted directly from the computer fraud.  See also Am. Tooling Center, Inc., v. Travelers Cas. & Sur. Co. (6th Cir. 2018) 895 F.3d 455, 457 (finding coverage on similar facts).  Ernst’s losses also fell within the Funds Transfer Fraud coverage of losses resulting directly from fraudulent instructions to transfer funds.  The policy covered losses whether the fraudulent instruction was given to a bank directly or to the insured’s employee who then instructed the bank.  See also Principle Solutions Group, LLC v. Ironshore Indemnity (11th Cir. 2019) 944 F.3d 886 (finding coverage on similar facts).