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Provides policyholders with the resources necessary to hire a lawyer to represent their business in court, negotiations with regulators, and to cover the cost of any settlements or judgments.
A malware attack can cause significant harm to a business's computer systems. In such case this coverage provides the resources necessary to restore the affected systems and defend any legal claims made by victims.
Provides financial protection in the event of identity theft, and covers the cost of legal representation and settlements, as well as the cost of prosecuting third-party claims and other expenses related to the theft.
Offers protection against financial losses due to cyber intrusions that result in unauthorized payments to third parties.
Protects businesses against the unauthorized access of sensitive information and covers financial losses due to the loss of such information.
Provides protection for businesses that are stalked or harassed using electronic means, and covers the cost of legal representation in the event of a lawsuit.
Protects businesses that are the victims of an extortion attempt that involves the use of electronic means, such as email or the internet.
Provides legal expense coverage in the event of a data breach or invasion of privacy.
In the event of a data breach, the policy provides the resources necessary to hire computer forensics experts to identify the breach, control and and extent.
Offers resources to help mitigate the public relations consequences of a data breach and covers the cost of brand aversion for a set period following the cyber incident.
Protects businesses from the financial penalties and fines imposed by government or regulatory bodies as a result of a cyber incident or data breach.
If a policy is terminated or not renewed, this coverage provides an extended period for the insured to discover and report any claims by paying an additional premium.
Some cyber insurance policies may not provide coverage for certain types of social engineering attacks. Instead, these attacks are typically included under commercial crime insurance policies. Examples of such attacks include email spoofing and phishing.
Claims related to physical injury, disease, disability, sickness, or death are not covered under a cyber insurance policy. However, claims related to mental injury or anguish resulting from a breach of data protection law by the company are included.
Claims arising from incidents or acts committed before the policy's start date, such as cyberstalking, IT theft loss, malware damage to computer systems, phishing and email spoofing, cyber extortion, privacy breaches, and data breaches by third parties, are not covered.
This policy does not cover claims arising from war or warlike scenarios, including invasion, acts of foreign enemies, armed conflict, rebellion, revolution, civil war, government confiscation, or damage to property by authorities.
Claims resulting from intentional non-compliance with a ruling, fraudulent acts by the policyholder, or criminal breaches of law or regulation committed by employees, outsourcers, or partners are excluded from coverage.
Claims related to contractual and non-contractual incentives offered by the policyholder to customers or clients, such as service rebates, price reductions, credits, promotions, awards, or other incentives, are not covered under this policy.
