| | BLANKET_AI | 66d47ddf-e9c8-4c97-8055-900874d05cc6 |
Bricking Costs | Coverage for the reasonable and necessary costs, subject to the
insurer’s prior consent, to replace, remediate or improve the
insured’s computer system. Costs must be incurred as a direct
result of a network security incident. | BRICKING | b8ea7fd2-10fa-4e07-b713-777e7c7b315b |
Business Impersonation Costs | Coverage for the costs to inform potentially impacted parties
(individuals, vendors or suppliers) of fraudulent communications
where a third party impersonated the insured to deceive them or
any vendor or supplier into sharing credentials or protected
information. | BUSINESS_IMPERSONATION | 189683d7-cd2b-4aca-984b-9fb5cf82be2f |
Business Interruption Loss | Coverage for the income loss and extra expenses due to the
actual and measurable interruption or degradation in performance
of the insured’s computer system. This would also include a
voluntary shutdown of the insured’s computer system when such
action is taken to minimise, avoid or reduce further damage as a
result of a covered incident. | BUSINESS_INTERRUPTION | 91ba7584-f0bb-4d70-b116-27b94be08e8d |
Contingent Business Interruption Loss | Coverage for the income loss and extra expenses due to the
actual and measurable interruption or degradation in performance
of a service provider’s computer system. This would also include
a voluntary shutdown of computer systems when such action is
taken to minimise, avoid or reduce further damage as a result of
a covered incident. | CONTINGENT_BI | 410f48e5-b1ea-49a2-8144-086cc7c038ba |
Contingent System Failure | Coverage for the income loss and extra expense due to a system
failure (see policy wording) which causes the actual and
measurable interruption, suspension, failure, degradation or delay
in performance of a service provider’s computer system | CONTINGENT_SYSTEM_FAILURE | ae5d017a-f2b6-41d9-b0a5-cba17a8813bf |
Cowbell Breach Fund | Coverage for losses and expenses directly associated with
recovery activities after a cyber incident. This can include incident
response, investigation, forensics, crisis management, notification
to customers, call centre services, overtime salaries, post-event
monitoring services such as credit monitoring, and healthcare
records remediation for impacted customers. | COWBELL_BREACH_FUND | 26875c85-0f08-416f-99af-a409960c68fe |
Criminal Reward Costs | Coverage for amounts offered by the insured for information that
leads to the arrest and conviction of any individual(s) committing
or trying to commit any illegal act related to any coverage under
the policy. | CRIMINAL_REWARD | 398b1533-2baf-4549-8847-08955ab166cc |
Cryptojacking | Coverage for the financial loss resulting from the unauthorised
access or unauthorised use of computer systems to mine for
digital currency that directly results in additional costs incurred by
the insured organisation for computing resources | CRYPTOJACKING | 68a2b035-d8c9-41ed-beba-bc4de5f1af9e |
Cyber Crime Loss | Coverage for loss of money or digital currency directly resulting
from any of the following covered events: (1) social engineering
(2) reverse social engineering, (3) fraudulent transfer of funds. | CYBER_CRIME | 49c3c725-46e7-4572-a4fa-68803c0e1f14 |
Data Restoration Costs | Coverage for the cost to replace, restore, recreate or recover
data residing on an insured’s computer system that is
compromised as a direct result of a network security incident. If
such data cannot be replaced, restored, recreated or recovered,
then data restoration is limited to the costs associated with that
determination | DATA_RESTORATION | 37d78205-6621-4822-be4e-1a351adf3ee3 |
Extortion Costs | Coverage for losses from a privacy incident or network security
incident resulting from a credible threat or series of threats, such
as a ransomware attack. This can include expenses to
investigate the cause of an extortion threat and the payment
amounts, including the actual costs to execute such payment
(whether in digital or traditional currency). | EXTORTION | 51ef243e-b26b-44fb-92d8-0d54f00ca874 |
Liability Costs | Coverage for (1) defence expenses, (2) monetary damages the
insured becomes legally obligated to pay including pre-judgment
interest, post judgement interests, judgments or settlements; and
(3) punitive, exemplary, or multiplied damages but only to the
extent such damages are insurable under the applicable law most
favourable to the insurability of such damages. | LIABILITY | 183984fb-1531-4801-bd17-7c635328e29e |
| | MISSED_BID | |
PCI Costs | Coverage for amounts the insured is legally obligated to pay
under a Payment Card Services Agreement including: (1)
monetary assessments; (2) fines; (3) penalties; (4) chargebacks;
(5) reimbursements; (6) fraud recoveries; (7) forensic
investigation, including any PFI; and (8) costs or expenses
incurred in connection with a PCI DSS compliance audit | PCI | af627f7a-56c5-42ec-87b6-3e2db4831fde |
Regulatory Costs | Coverage for (1) any amount the insured is legally required to
deposit in a fund for the payment of consumers; (2) fines; or (3)
penalties imposed by a federal, state or foreign governmental
entity due to a privacy incident | REGULATORY | 16decfce-d629-4f62-b2c8-87ed28bd17ba |
Reputational Harm Expense | Coverage for the income loss that the insured sustains during a
period of indemnity that directly results from a communication via
any medium specifically arising from an actual or alleged incident
that threatens to, or actually does negatively harm the insured’s
reputation. | REPUTATIONAL_HARM | 13a82d77-8cf6-4243-9222-4c5f624a8955 |
System Failure | Coverage for the income loss and extra expenses due to a
system failure (see policy wording) which causes the actual and
measurable interruption, suspension, failure, degradation or delay
in performance of the insured’s computer system | SYSTEM_FAILURE_BI | f18010e8-c21f-49f7-91d4-2a81e08f1b99 |
Utility Fraud Attack | Coverage for the additional amounts incurred due to the
manipulation or deception, by an unauthorised third party for its
use, of the insured organisation’s natural gas, oil, or internet. | UTILITY_FRAUD | 894f7057-d77d-44b0-aed9-91e94cfec37f |
| | WAIVER_OF_SUBROGATION | |
Internet Media Liability Expense | Coverage for (1) defence expenses, (2) monetary damages the
insured becomes legally obligated to pay in respect of
defamation, slander, libel, product disparagement or intellectual
property infringement, other than patent infringement, resulting
from the publication of content on the Insured Organisation's
website, in printed material, posted on behalf of the insured on
any social media site | INTERNET_MEDIA | 7d3628fa-c080-4be0-bf14-d0454b72d0a8 |
| | MEDIA_LIABILITY_AMENDATORY_ENDORSEMENT | effe4243-a102-45c0-99de-44bc5ec44a76 |
| | WAR_EXCLUSION_ENDORSEMENT | c7fe5b6f-3015-4595-9a76-c91991780854 |
