Broad cyber coverage designed for digital risks

Network and Information Security Liability

Coverage for defense costs and damages from liability to a third party resulting from a security failure, data breach, or privacy violation.

Regulatory Defence and Penalties

Coverage for defense costs and regulatory fines and penalties resulting from a security failure or data breach (subject to applicable law).

PCI Fines and Assessments

Coverage for PCI fines or assessments made against a policyholder resulting from a security failure or data breach.

Funds Transfer Liability

Coverage for defence costs and damages from liability to a third party for fraudulent transfers of funds owed to another party resulting from a failure in the policyholder’s security.

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 for eligible businesses)

Coverage for defence costs and legal liability incurred from errors and omissions related to information technology products and services provided by the organisation.

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.

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 the costs to replace, restore, or recreate digital assets that are damaged or lost following a security failure, such as a ransomware attack.

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.

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.

Affirmative AI*

Affirmative coverage for security failures and data breaches that result from an AI security event, as well as funds transfer fraud events that were triggered by the use of deepfakes or any other artificial intelligence technology.

Deepfake Response

Coverage to respond to deepfake events, including technical analysis, legal takedown efforts, and crisis communications to help protect the policyholder’s business and reputation.