Coverage for the losses due to a fraudulent computer operation that causes money (or other property) to be transferred from an insured's account. This also covers losses incurred by a fraudulent instruction directing a financial institution to debit money from the insured's transfer account

Dedicated Breach Costs Endorsement

E-Commerce Enhancement

E-Commerce Enhancement & System Failure

Coverage for the cost to replace computers or any associated devices or equipment operated by the insured that are unable to function as intended due to corruption or destruction of software or firmware, resulting from a cyber incident.

Do policy holder employees authenticate funds transfer requests (e.g. by calling a customer to verify the request at a predetermined phone number)? Affirmative answer is required to be eligible for Social Engineering endorsement

Do policy holder employees prevent unauthorized employees from initiating wire transfers? Affirmative answer is required to be eligible for Social Engineering endorsement

Does the policyholder agree to be the Designated Information Security Contact?

Does policyholder provide mandatory information security training to all employees at least annually? If not, are they willing to implement it during the policy period?

Exclusion of Certified Acts of Terrorism-TRIA.

Do policy holder employees verify vendor/supplier bank accounts before adding to accounts payable systems. Affirmative answer is required to be eligible for Social Engineering endorsement

Coverage for labor costs incurred to resolve vulnerabilities or weaknesses in the insured’s computer system that are identified by an independent security firm after a cyber incident. Identified upgrades or improvements must reduce the probability or potential damage of a future incident to qualify.

Coverage for the fraudulent transfer of funds, including invoice manipulation, or other similar deceptive intentional acts by someone outside Your Organization to Your Client or Vendor.

Service Fraud and Cryptojacking Endorsement

Coverage for a loss resulting from a social engineering incident where the insured is intentionally misled to transfer money to a person, place or account directly from good faith reliance upon an instruction transmitted via email by an imposter. A documented verification procedure requirement needs to have been completed in order to be provided coverage

Coverage for the cost of unauthorized calls or unauthorized use of the insured’s telephone system’s bandwidth, including but not limited to phone bills.

Does the policyholder have sensitive information stored on the cloud?

Does the policyholder encrypt all emails, mobile and computing devices containing sensitive information (e.g., PII, PHI, PCI) sent to external parties?

Website Media Liability provides coverage for a loss and defense expenses from intellectual property infringement, other than patent infringement, related to media content on the company website or its social media accounts only.