Broad Cyber Coverage Designed for Digital Risk

3rd Party Liability Coverages

Network & Information Security Liability	We cover the expenses to defend you and any damages resulting from your liability to a 3rd party for a security failure, data breach or privacy liability.
Regulatory Defence & Penalties	We cover the expenses to defend you and any regulatory fines or penalties from a regulatory proceeding for a security failure or data breach.
PCI Fines and Assessments	We cover the expenses to defend you and PCI fines and assessments arising from a data breach that compromises payment card data.
Funds Transfer Liability	We cover the expenses to defend you and damages arising from the distribution of fraudulent payment instructions to your vendors, business partners or clients as a result of a security failure.
Bodily Injury & Property Damage - 3rd party	We cover the expenses to defend you and damages arising from your liability to a 3rd party when a security failure results in physical damage or injury.
Technology Errors & Omission	We cover the expenses to defend you and damages arising from your liability to a 3rd party when the failure of your technology service or product is the cause of loss.
Multimedia Content Liability	We cover the expenses to defend you and damages arising from your liability to a 3rd party for media content related claims (such as copyright infringement, violation of privacy rights, defamation)
Breach Response Services	We provide services in the first 72 hours to help you with the initial response to a cyber event including access to a 24/7 hotline, advice from legal counsel and preliminary forensic information gathering.
Breach Response Costs	We pay the costs to respond to a breach including computer forensic fees, legally required customer notification, legal expenses, credit monitoring and identity theft restoration.
Crisis Management & Public Relations	We pay the costs to mitigate other first party loss or third party liability such as public relations consultancy, media purchasing and voluntary customer notification.
Reputation Repair	We pay the Crisis Management & Public Relations costs required to mitigate harm to your reputation.
Ransomware & Cyber Extortion	We cover the costs to respond to an extortion incident, including money, securities, and even virtual currencies paid.
Direct and Contingent Business Interruption and Extra Expenses from Security Failure and Systems Failure	We cover business interruption loss including extra expenses resulting from interruption to your computer systems or to hosted computer systems, arising from a failure in security or a systems failure.
Proof of Loss Preparation Expenses	We cover the cost of a forensic accountant to help you prepare your claim for business interruption and reputational harm losses.
Digital Asset Restoration	We pay for the costs to replace, restore, or recreate your digital assets that are damaged or lost following a security failure or systems failure.
Computer Replacement & Bricking	We pay for the costs to replace or restore computer hardware or tangible equipment impacted by a loss of firmware integrity resulting from a security failure.
Reputational Harm Loss	We cover you for your lost net profit arising from an adverse publication related to a security failure, a data breach, cyber extortion or privacy liability.
Court Attendance	We cover your reasonable expenses in attending a trial or other proceeding in the defence of a 3rd party liability claim.
Criminal Reward	We cover an amount offered by us for information that leads to the conviction of persons committing illegal acts against you that resulted in a claim under the policy.
Funds Transfer Fraud, Personal Funds Transfer Fraud & Social Engineering	We pay for funds transfer losses incurred as a result of the receipt of fraudulent payment instructions including through social engineering. We will also pay for loss incurred from the bank account of a senior executive if caused by a security failure at the named insured.
Service Fraud Including Cryptojacking	We pay for the additional amounts you're billed by a cloud or telephony provider when you incur fraudulent charges
Impersonation Repair Costs	We pay for the cost of removing websites, reimbursing your customers, legal and PR costs incurred as a result of fraudulent electronic communications or websites that impersonate you.
Invoice Manipulation	We cover the net costs that you are unable to collect for the provision of goods or services under a fraudulent invoice or payment instruction that has resulted from a security failure.
Bodily Injury & Property Damage 1st Party	We cover specified 1st party losses including business interruption loss for bodily injury or property damage arising from a security failure.
Pollution	We cover claim expenses and damages arising from pollution caused by a security failure.

Media and Professional Liability

Multimedia Content Liability	Coverage for defence costs and damages from liability to a third party for multimedia wrongful acts, such as infringement, defamation, or piracy.
Technology Errors and Omissions (available by endorsement)	Coverage for defence costs and legal liability incurred from errors and omissions related to information technology products and services provided by the organisation.

Cyber Crime

Funds Transfer Fraud and Social Engineering	Coverage for financial losses incurred from a fraudulent instruction or social engineering that results in a fraudulent transfer of funds.
Service Fraud including Cryptojacking	Coverage for the direct financial losses incurred as the result of fraudulent usage of business services resulting from a security failure.
Impersonation Repair and Phishing	Coverage for a policyholder’s customers’ losses and to help stop the ongoing impersonation of the policyholder to limit future losses.
Invoice Manipulation	Coverage for direct net costs (excluding any profit), for which a policyholder is unable to collect payment as the direct result of their customer being tricked into sending the payment to a fraudster.

Event Response

Breach Response Costs	Coverage for costs to respond to a breach and help you recover, including incident response, customer notification, credit monitoring, and legal costs.
Cyber Extortion (Ransomware)	Coverage for costs to respond to an extortion incident, up to and including payment of a ransom demand.
Direct and Contingent Business Interruption, and Extra Expenses	Coverage for financial losses resulting from a failure in computer security or systems failure, and the extra expenses incurred to bring the company back online. Computer systems include hosted computer systems (SaaS, cloud hosted, etc.) provided to the insured under a written contract.
Digital Asset Restoration	Coverage for the costs to replace, restore, or recreate digital assets that are damaged or lost following a security failure, such as a ransomware attack.
Crisis Management and Public Relations	Coverage for fees and expenses to mitigate harm to a policyholder’s reputation, including public relations experts, media purchases, and voluntary stakeholder notification costs.
Proof of Loss Preparation Expenses	Coverage for costs associated with hiring a forensic accounting firm to document a policyholder’s lost income and additional expenses from a disruption in their computer network from a security or systems failure.
Computer Replacement and Bricking	Coverage for the costs associated with replacing computer hardware whose integrity has been permanently altered by malware (sometimes called “bricking”).
Reputational Harm Loss	Coverage for the lost net profits resulting from an adverse publication concerning a security failure, data breach, or cyber extortion suffered by a policyholder that affects their customers or clients.
Court Attendance	Coverage for reasonable costs and expenses when we request policyholders attend a trial, hearing, deposition, mediation, arbitration, or other proceeding relating to the defence of any claim.
Criminal Reward	Coverage for a reward for information that leads to the arrest and conviction of anyone who commits, or tries to commit, an illegal act related to coverage under our policy.

Other Coverages (Available by Endorsement)

Bodily Injury and Property Damage - 1st Party	Coverage for losses resulting from bodily injury or damage/impairment to physical property, as well as damages resulting from any liability the policyholder may have to a third party, including regulatory fines & penalties and pollution liability.
Bodily Injury and Property Damage - 3rd Party	Coverage for defence costs and liability incurred when a security failure results in physical damage or injury.
Pollution	Coverage for defence costs and liability incurred when a security failure results in the release of pollutants.
Reputation Repair	Coverage for advertising, media purchases and consulting costs to help preserve customer confidence and protect the policyholder’s brand reputation.