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

• Non IT service provider coverage can be sublimited or removed
• Cloud service outage
• Public utility outage can be added
• Forensic accounting costs, which can be sublimited or excluded

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

Extortion:

• Coverage for ransom demand and related costs to investigate and respond
• Legal representation to communicate with law enforcement and comply with OFAC
• 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
• Travel expense to attend court, hearings & depositions
• Rogue employee and imputation and severability conditions geared to preserving coverage

Incident Response:

• Covers broad category of fraud protection & notification services including voluntary
• Incur loss before consent for first 72 hours
• Post incident consulting services available

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 BIPA and 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
• Negligent misstatement (Tech E&O and MPL)

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

Professional Liability:

• Customizable Tech E&O and MPL
• Unintentional breach of contract
• Copyright and trademark infringement (MPL)
• Software copyright infringement (Tech E&O)
• Claim avoidance & other supplemental coverages
• Personal injuries (MPL)