Cyber Crime Liability

Consumer Information

• Credit Cards, Debit Cards, and other payment information
• Social Security Numbers, taxpayer PIN's, and other taxpayer records
• Customer Transaction Information, like order history, account numbers, etc.
• Protected Healthcare Information (PHI), including medical records, test results, appointment history
• Personally Identifiable Information (PII), like Drivers License and Passport details
• Financial information, like account balances, loan history, and credit reports
• Non-PII, like email addresses, phone lists, and home address that may not be independently sensitive, but may be more sensitive with one or more of the above

1.Data breaches

2.Denial of Service (DoS) attacks

3.Phishing & Social Engineering -deceptive emails/messages

4.Ransomware attacks

5.SIM Swap & Identity-based attacks

6.Insider threats -by employees/business partners

7.Business Email Compromise -criminals impersonating executives

8.AI-Powered attacks

9.Malware & Spyware

The policy covers the insured, 3rd party liability and sanctions from regulatory bodies.

The Policy holder

•Data Restoration

•Extortion/Ransomware

•BI/Loss of Income

•Notification

•Forensics

•Call Center

•Legal

•Public Relations

Thirdy Party Cover

•Privacy Liability

•Confidentiality Liability

•Security Liability

•Media Liability

•Defense Costs

•Contractual Liability

Enforcement Bodies

•Regulatory Investigations

•Fines & Penalties

•Defense Costs

•PCI Fines

The Electronic Computer Crime Policy is companion policy to the Bankers Blanket Bond(BBB) cover. It also compliments the cyber crime insurance cover.

It Covers Direct Financial Loss resulting from Third-Party Interference with a policyholder's Computer Systems.

Electronic Computer Crime Covers

1.Computer Systems

2.Electronic Computer Programs

3.Electronic Data and Media

4.Computer Virus

5.Electronic and Tele-facsimile Communications

6.Electronic Transmissions

7.Electronic Securities

8.Voice Initiated instructions

9.Internet Banking (Mobile Banking)

Commercial Crime insurance provides cover to an Insured against loss of money or other tangible assets through theft, burglary, forgery, fraud from employees or 3rd parties.

Commercial Crime Coverage

1.Infidelity of Employees

2.Loss on Premises

3.Loss in Transit

4.Forgery and Securities Fraud

5.Counterfeit Currency

6.Computer Systems Fraud

7.Funds Transfer Fraud

8.Corporate Card Fraud