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Business Interruption

What is Business Interuption?

Business Interruption Insurance, also known as Business Income Insurance, may cover a loss of revenue that a company experiences after a covered loss. For example, if a fire damages a company’s building and inventory requiring them to shut down while repairs are made and inventory is replaced, Business Interruption Insurance may cover lost revenue during the shutdown.

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Cyber Liability

What is Cyber Liability?

We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you… for any third party financial loss arising directly from a hacking attack or virus that has emanated from or passed through your computer systems…

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Privacy Liability

What is Privacy Liability?

We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim… arising out of a security breach which results in: a) an actual or suspected breach of any personally identifiable information (PII), including credit card information, or personal healthcare information (PHI); or b) your failure to adequately warn affected individuals or provide a timely breach notification; or…

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System Damage

What is System Damage Coverage?

We agree to pay on your behalf rectification costs… which you incur: a) in retrieving, restoring or replacing data… that has been lost or damaged; or…

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Reputational Harm

What is Reputational Harm Coverage?

We agree to reimburse you for your reduction in profit… as a direct result of the loss of current or future customers caused by damage to your reputation as a result of a system outage or security breach…

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Regulatory Actions

What is Regulatory Actions Coverage?

We agree to pay on your behalf all costs and expenses and any resultant fines and penalties as a result of a regulatory investigation first initiated against you in writing and notified to us during the period of the policy arising out of an actual or suspected security breach.

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Notification Costs

What are Notification Costs?

We agree to pay on your behalf all sums reasonably incurred… as a result of an actual or alleged security breach first discovered during the period of the policy to: a) fulfill any obligation you have to notify any third party or employee, including but not limited to the legal costs to draft appropriate notices for any third party or employee affected by the actual or suspected breach of privacy…

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Third Party Notification Costs

What are Third Party Notification Costs?

In the event that you experience a security breach… that creates a legal obligation for your client to notify affected individuals… we agree to pay on your client’s behalf all sums reasonably incurred… to fulfill any obligation they have to notify any third party…

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Computer Crime

What is Computer Crime Coverage?

We agree to reimburse you for loss… as a direct result of any third party committing: a) any unauthorized electronic funds transfer; or b) theft of money or other financial assets from your bank account…

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Identity Theft

What is Identity Theft Coverage?

We agree to reimburse you for loss… arising as a direct result of the fraudulent use or misuse of your electronic identity including the establishment of credit in your name, the electronic signing of any contract…

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Cyber Threats and Extortion

What is Cyber Threats and Extortion Coverage?

We agree to reimburse you for all reasonable sums incurred as a direct result of a specific threat first made against you and notified to us during the period of the policy to: a) prevent access to your computer systems or any third party systems hosting your applications or data including cloud computing providers; or b) introduce a virus into your computer systems; or…

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Telephone Hacking

What is Telephone Hacking Coverage?

We agree to reimburse you for loss… as a direct result of your telephone system being hacked by a third party…

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Phishing Scams

What is Phishing Scams Coverage?

We agree to reimburse you in the event of fraudulent electronic communications or websites designed to impersonate you or any of your products …

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Defamation

What is Defamation Coverage?

We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you… for any: a) defamation, including but not limited to libel, slander, trade libel, product disparagement, injurious falsehood; or…

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Intellectual Property Rights

What is Intellectual Property Rights Infringement Coverage?

We agree to pay on your behalf all sums which you become legally obliged to pay as a result of any claim first made against you… for any: a) infringement of any intellectual property rights, including, but not limited to, copyright, trademark, trade dilution, trade dress, design rights, domain name rights, moral rights, service mark or service name, but not including patent; or…

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Content Liability

What is Content Liability?

We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you for any negligent act, error, omission, advice, misstatement or misrepresentation arising out of media content or user generated content…

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Technology Errors

What is Technology Errors and Omissions Coverage?

We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you… arising out of any act, error, omission or breach of contract in the provision of your technology services.

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Court Attendance Costs

What is Court Attendance Costs Coverage?

We agree to reimburse you… for your reasonable costs incurred to attend court or any tribunal, arbitration, adjudication, mediation or other hearing…

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Crisis Communications Costs

What is Crisis Communications Costs Coverage?

We agree to pay costs reasonably incurred… for the services of a public relations consultancy for the purpose of averting or mitigating damage to your reputation or brand…

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