Cyber Liability

2. Direct monetary fines, penalties, reimbursements, fraud recoveries or assessments owed by the insured organization under the terms of a merchant services agreement.
4. Legal liability coverage for personal and advertising offenses from insured's display of media material on their website or social media web pages.
5. In the wake of a data breach provides services to the insured, including: computer expert, legal, public relations and crisis management, breach notifications, call center, breach resolution and mitigation.
7. Indemnifies the insured for data protection loss incurred by the insured due to alteration, corruption, destruction, deletion or damage to a data asset, or inability to access a data asset.
8. Liability to third party individuals or businesses for theft, loss, or unauthorized disclosure of personally identifiable information or third party information that is in the care, custody, or control of the insured organization.

1. Net profit and extra expense loss during the period of restoration
3. Coverage for payment made in response to an extortion threat to damage or corrupt data if not paid. Typically carried out by hackers placing ransomware on our insured's systems.
6. Coverage for defense costs and penalties resulting from Federal Trade Commission (FTC) or Federal Communications Commission (FCC) proceedings concerning a covered data breach incident.