Cyber Liability Coverage
                                                                  Coverage Information

Traditional coverage forms alone -- including Property, General Liability, Crime and E&O -- typically fall short of covering information and network-related risks. A cyber liability coverage fills the gaps by offering exceptional first-and third-party cyber risk coverage to address a broad range of exposures. Our underwriters are recognized experts in this field and have an average of more than 10 years of experience in crafting information risk coverage to meet unique client needs.

Policy Highlights

• Network Damage
  • Insured's own information, upon which others rely, residing on a network
  • Others' information on insured's network
  • Network interruption or customer' inability to access or use insured's network or their network if interruption is caused by insured
  • Theft or unauthorized disclosure of others' information on insured's network
  • Covers disruption of or damage to others' networks and information thereupon, if caused by insured.
• Privacy Injury and Identity Theft
  • Private actions arising from unauthorized disclosure of others' private information arising out of a network security breach and in violation of:
    • Any Applicable privacy law, e.g., HIPPA, GLBA, COPPA and EU Data Protection Act
    • Insured's published privacy policy
    • Any security breach notice law, e.g., California SB 1386
• Regulatory Expense
  • Insured's costs to notify others if they suspect a security breach or compromise of their private information, e.g., California SB 1386 compliance costs
  • Insured's costs to comply with any applicable privacy law or regulation if a regulatory authority notifies them that they may be noncompliant
• Covers security breaches, mistakes and unauthorized employee acts, including virus attacks, hacking, identity theft or private information loss, and infringing or disparaging content
• Covers network information enterprise-wide, not just information on Web sites
• Includes theft of others' trade secrets and proprietary or confidential information from the insured

Reasons for Coverage

• All network information is covered enterprise-wide, not just information on Web sites
• Covers any current or future applicable privacy law worldwide
• Covers claims related to identity theft resulting from unauthorized disclosure of private information
• Regulatory expense covers first-dollar loss, with no deductibles or co-insurance; sublimit applies
• Covers damage due to viruses, denial of service and security breaches
• Includes theft of others' trade secrets, proprietary or confidential information in insured's care