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First party losses:

• Business interruption and extra expense
• Loss / destruction of electronic assets
• First party incident responses including IT forensics, notification costs, call center and PR expenses
• Privacy regulatory defense costs and coverage of regulatory fines and penalties (where insurable by law) arising from a privacy or security wrongful act
• Data restoration
• Cyber extortion

We can also add cyber and data protection coverage to communications, media and technology companies either on a standalone basis or as part of a broader professional indemnity policy.

What makes our policy different?

Our policy form is easy to read and navigate. Our policy includes broad terms and extensive coverage for this continually evolving risk. More specifically, the policy provides for:

• Expanded privacy and security coverage to include confidential business information in addition to personally identifiable information and protected health information
• Enhanced privacy regulatory coverage, including any fines and penalties assessed (where insurable by law) arising from a privacy or security wrongful act
• One coverage grant for data breach response and crisis management costs, including voluntary notification and the costs of a PCI forensic investigator to conduct an audit after a breach or suspected breach
• Coverage for PCI fines and assessments available by endorsement
• Coverage for a wide range of business interruption trigger (including outsource service providers) available by endorsement

Post breach response partners

As part of our Cyber coverage, we provide access to best-in-class breach response services with specialized teams who are ready to help 24/7. They specialize in:

• IT forensics
• Incident response
• Forensic accountancy
• Cyber extortion management and payment
• Public relations
• Legal advice / support
• First notification of loss
• Identity protection
• Regulatory notifications
• Public Notifications including call center