• Covers loss of income and extra expenses because of interruption to the insured’s or a service provider’s network
• Waiting Period is a qualifying trigger with dollar retention for middle market & large businesses
• BYOD, voluntary shutdown and continuing operating costs
• Non IT service provider coverage

• Cloud service outage
• Public utility outage can be added
• Forensic accounting costs
• Interim payment of undisputed loss
• 180 day period of restoration

Crime:

• Covers financial loss resulting from cyber crimes including computer fraud, social engineering, diverted receivables, theft of telecom, data transmission and utility services (cryptojacking)
• Funds transfer fraud can be added
• Costs to investigate, reverse or correct monetary transfers
• Authentication requirement on social engineering claims can be deleted

Data Recovery & Bricking:

• Covers costs to recover, repair, replace or recreate data and software and replace bricked hardware
• Data coverage is not limited to restoration from backups
• Bricked hardware includes broad list of computing and personal devices and data storage hardware
• Betterment up to 25%
• Operational Technology coverage can be added

Extortion:

• Coverage for ransom demand and related costs to investigate and respond
• Legal representation to communicate with law enforcement and comply with OFSI and other laws restricting payment of ransom
• Incur sublimited loss before consent for first 72 hours
• Information reward reimbursement

General T&Cs:

• Single highest retention if more than one coverage is triggered
• Rogue employee and imputation and severability conditions geared to preserving coverage

Incident Response:

• Covers broad category of fraud protection and notification services including voluntary
• Incur loss before consent for first 72 hours

Liability & Regulatory Actions:

• Coverage for civil and regulatory liability because of any failure of security or failure to protect personal or third party confidential information
• Broad category of protected personal information scales to meet any regulatory requirement
• Collection, use and handling violations, not limited to a data breach
• Civil liability for biometric information can be added

Media Liability:

• Coverage for media torts arising out of publication and communication in any form including libel, slander, defamation, emotional distress & outrage, infringement of the right of privacy or publicity, infringement of copyright & misappropriation of ideas

PCI-DSS:

• Coverage to respond to PCI-DSS violations
• Triggers for actual or suspected breach
• Card reissuance and recertification costs
• Administrative reimbursement costs that are payable by Insured

Reputational Harm:

• Covers loss of income because of customer attrition and brand harm resulting from adverse publicity from any cyber event
• Not limited to data breach events
• 12 month period of restoration

Tech E&O:

• Tech E&O can be added
• Unintentional breach of contract
• Software copyright infringement