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Insurer/Policy
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Coverage and benefits
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QBE Cyber Insurance
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Coverage:
- Cyber liability
- Online media liability
- Data breach legal costs
- Forensics
- Public relations expenses
- Credit monitoring and identity theft costs
- Regulatory defence and penalty costs
- Payment Card Industry (PCI) data security
- Standards costs
- Data restoration
- Cyber business interruption
- Full media liability (optional)
- Cybercrime costs (sub-limited, optional)
Benefits:
- 24-hour support services
- Free access to the QBE Cyber Risk Management Portal
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AIG CyberEdge Cyber Liability
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Coverage:
- Security and privacy liability, including data protection investigation and data protection fines, and cyber liability
- Network interruption, including network interruption losses, interruption and mitigation costs, and loss preparation expenses
- Event management, including legal, IT, data recovery, reputation protection, notification, credit monitoring and ID monitoring, and first response expenses
- Cyber extortion
Benefits:
- Expert IT and legal response with no retention for 48 or 72 hours
- Access to complimentary cyber loss control services
- Access to CyberEdge video cover summary library
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Aviva Cyber Insurance
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Coverage for organisations’s assets:
- Breach response, including forensic experts, legal advice, notifying affected customers and offering credit or identity fraud monitoring services
- Damage to data, websites, and software
- Loss of revenue due to a malicious attack, extortion or a data breach company’s IT systems or outsourced IT or data provider
- Additional expenses to reduce revenue loss such as hiring extra staff or equipment
- Extortion, including recovery costs or ransom payment
- Costs of notifying customers of a data breach
- Loss of the business money due to an external hack or by social engineering fraud
- Cost of unauthorised telephone calls and charges made by an external hacker
- Protection against a breach of Data Protection Regulation where insurable by law, including defence costs and regulatory fines
Third-party liability covers compensation and defence cost if a claim is made against the company for:
- Negligently transmitting a virus to a third party
- Data privacy and confidentiality liability
- Financial loss resulting from the loss, disclosure, or destruction of third-party confidential commercial information
- Costs resulting from non-compliance with payment card industry data security standards, including fines, charges, and recertification costs
- Multimedia liability, including copyright or trademark infringement from use of online media
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Brit Cyber Attack Plus (BCAP)
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First and third-party coverage for:
- Physical damage and bodily injury
- Business interruption from property damage (PD) events
- Mitigation
- Enhanced legal liability resulting from a cyberattack
- Privacy and security liability
- Regulatory fines and penalties
- Breach response costs
- PCI coverage
- Cyber extortion
- Business interruption
- Data restoration
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Celerity Pro Cyber Liability
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- Blanket additional insured status where required by contract
- Data breach first responder paid at first dollar
- 24/7 data breach hotline
- Affirmative regulatory coverage in absence of a security breach
- Unintentional wrongful collection covered
- Forensic accounting costs covered at full limits
- Coverage for PCI fines and assessments
- Up to US$5 million (about 3.8 million) aggregate limit
- Up to US$250 million (about £189.7 million) revenue
- Worldwide coverage
Optional coverages:
- Cybercrime endorsement, including social engineering and invoice manipulation
- Dependent business interruption, system failure, and dependent system failure
- Reputational harm
- Preventative shutdown
- Betterment
- Bricking
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CFC Underwriting Cyber Large Corporates
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- Nil deductible for incident response costs
- Senior officer liability for cyber events
- Technology supply chain failure
- Cover for operational IT risk
- System repair costs
- Full retroactive cover
- Contractual liability
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Chubb Cyber Enterprise Risk Management Insurance
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- Business interruption loss due to a network security failure or attack, human errors, or programming errors
- Data loss and restoration including decontamination and recovery
- Incident response and investigation costs, supported by a 24-hour multilingual incident reporting hotline and on-demand vendors
- Delay, disruption, and acceleration costs from a business interruption event
- Legal costs, including exercising contractual indemnity
- Crisis communications and reputational mitigation expenses
- Liability arising from failure to maintain confidentiality of data
- Liability arising from unauthorised use of company’s network
- Network or data extortion, or blackmail (where insurable)
- Online media liability
- Regulatory investigations expenses
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CNA NetProtect 360
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- Media liability
- Network security, privacy, and regulatory proceedings, including fines
- Privacy event expenses
- Extortion
- Privacy regulation investigation
- Crisis response
- Business interruption and extra expenses
- Network restoration
- Bricking
Via endorsement:
- PCI loss
- Dependent business interruption and extra expenses
- Reputational harm
- Network failure
- Dependent network failure
- Voluntary shutdown
- E-theft, social engineering, and telephone fraud
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DUAL Corporate Risks Cyber
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- Security and privacy liability
- Business interruption
- Crisis management
- Notification costs
- Cyber extortion
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HSB Cyber Suite
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First-party coverages:
- Data compromise response
- Computer attack
- Cyber extortion
- Misdirected payment fraud
- Computer fraud
- Telecommunications fraud coverage
- Identity recovery
Third-party coverages:
- Privacy incident liability
- Network security liability
- Electronic media liability
Benefits:
- Access to Cyber Safety risk management tools
- Access to eRisk Hub website
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Hiscox Cyber Insurance
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- Protection against GDPR non-compliance claims
- Compensation for loss of income due to a data breach
- Recovery from reputational damage
- Forensic investigations to aid data recovery, plus legal advice
- Help to notify regulators after an attack
- Repair or replacement if cyber events damage company’s equipment
- Indemnity for losses incurred if company’s supplier faces a breach
- Consultancy support
- Liability support if a third-party alleges the company transmitted a virus
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Markel Direct Cyber Insurance
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- Costs of restoring data and equipment
- Informing clients of a data breach
- Meeting ransom demands
- Loss of net profit
- Legal defence costs and damages the company is legally liable to pay to other parties
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MPR Underwriting Cyber Incident Response and Insurance
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- Cyber incident response and expenses
- Privacy regulatory actions
- PCI loss
- Business interruption
- Contingent business interruption
- Cyber extortion threat, cybercrime and crime expenses
- Privacy and network security liability
- Media liability
- Reward expenses
- Court attendance costs
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NMU CyberSafe
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First-party coverage key features:
- Cyber response
- Cyber restoration
- Cyber expense
- Cyber extortion
- Business interruption
- Cybercrime, including customer payment fraud, social engineering fraud, telephone hacking and theft of money, goods, property, and services
Third-party coverage key features:
- Cyber liability
- Network liability
- Media liability
- PCI liability (optional)
Benefits:
- Full access to broker-administered step-by-step quote and bind e-trade platform
- Immediate issuance of full contract certain quotations and policy documentation
- No statement of fact/preconditions
- 24/7 integrated breach response
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Paragon Cyber, Technology Errors & Omission Insurance
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- Network security and privacy liability
- Privacy breach expenses, including forensics, incident response costs, legal, and PR
- Regulatory investigations
- Business interruption, including loss of income and extra expense
- Reputational business interruption
- Cyber extortion
- Social engineering and invoice manipulation
- Technology errors and omissions
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Pen Underwriting Cyber Insurance
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- Breach costs
- Costs for damage to data or programs
- Insured’s network failure, including income loss and extra expense
- Cyber extortion and ransomware
- Network security, privacy, and confidentiality liability
- Network security, privacy liability (regulatory)
- Multimedia liability
- Cyber terrorism
- PCI data security standard (DDS), including fines, penalties, and assessments
Extensions:
- Outsource service provider or cloud service provider failure, including income loss and extra expense
- E-theft
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RSA Cyber Risk Insurance
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- Data liability
- Network security
- Remediation costs
- Cyber business interruption
Extensions:
- Multimedia activities
- PCI data security standard
- Compensation for court attendance
- Withdrawal of content
- Cyber extortion
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Zurich Insurance Cyber
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- Flexible aggregate limit of indemnity up to £2,000,000
- Business income loss and increased cost of working
- Privacy breach and reputational rebuild costs
- Security and privacy liability
- Regulatory proceeding defence costs
- PCI-DSS payments
- Emergency costs
- Digital asset replacement expenses
- Cyber extortion threat and reward payments
- Cyber terrorism
- Internet media liability
- Computer hardware damage costs
- Crisis management (provided when buying a policy limit of £100,000)
- Civil fines and penalties
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