Network Security and Privacy Liability 

⇒  Network Security Liability  

This cover ensures the covering by the Insurer of the following costs:

• The transmission of malware to a third party's computer system;
• Clients' computer systems being used to carry out a denial of service attack;
• Clients' failure to prevent unauthorized access to information stored or applications, hosted on clients' computer systems or a third party's computer systems;
• Identity theft, experienced by clients' employees, senior executive officers or any third party.

⇒  Privacy Liability 

This cover ensures the covering by the Insurer of the following costs:

• An actual or suspected disclosure of or unauthorized access to any Personally Identifiable Information, including payment card information or Protected Health Information;\
• Clients' failure to adequately warn affected individuals of a privacy breach, including the failure to provide a data breach notification in a timely manner;
• A breach of any rights of confidentiality as a direct result of your failure to maintain the confidentiality of any data pertaining to an employee or a senior executive officer;
• A breach of any rights of confidentiality, including a breach of any provisions of a nondisclosure agreement or breach of a contractual warranty relating to the confidentiality of commercial information, Personally Identifiable Information, or Protected Health Information;
• A breach of any part of clients' privacy policy; 
• Actual or suspected disclosure of or unauthorized access to your data or data for which clients are responsible.

⇒  Manage Liability y

The Insurer will pay on behalf of any senior executive officer all sums they become legally obliged to pay as a result of any claim made against them arising directly out of a cyber event first discovered by the client during the period of the policy.
The Insurer will also pay costs and expenses on behalf of clients' senior executive officers.

⇒  PCI fines, Penalties and Assessments   

The Insurer agrees to pay any fines, penalties and card brand assessments including fraud recoveries, operational reimbursements, non-cooperation costs and case management fees which clients become legally obliged to pay to clients' acquiring bank or payment processor as a direct result of a payment card breach first discovered by the client during the period of the policy.
The Insurer also covers costs and expenses.