The legal dispute comprises two competing claims filed in the US District Court for the Northern District of Illinois. United said it had maintained a comprehensive, multi-layered cyber insurance programme providing up to USD200 million in coverage above a USD50 million self-insured retention (SIR). Under the policy's terms, Homesite argues, those recoveries should instead reduce the total amount of loss that United may claim. Homesite maintains that, after applying the appropriate offsets and excluding losses it considers uncovered, it owes United nothing under the policy. The airline noted that the parties participated in non-binding mediation in April 2026 but were unable to resolve the dispute.