Cyber Liability Insurance Quote
Cyber Liability Insurance QuoteYou can only grow your business today if you are relevant and current. To do this, you will need to be connected. Most organisations have a network and online presence and hold or access confidential records and data. Your data are at risk of a data breach or cyber-attack. The very nature of the internet means that. Cybercriminals worldwide can direct their attention to a specific target; tomorrow, it could be you.
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CYBER LIABILITY INSURANCE QUOTE
Why Do You Need Cyber Liability Insurance for Your Business?
Businesses can only function by connecting to the world wide web. Add to this the reality that most adults and children walk around with a constantly connected supercomputer in their pockets. You’ve got a veritable hotbed of opportunities for cybercriminals.
The commercialisation of cybercrime has dramatically increased the occurrence and severity of cyberattacks on businesses regardless of size.
Perennity recognises the far-reaching consequences of this ever-expanding cyber risk on a business, particularly those needing more resources or infrastructure to deal with such an event.
The Perennity Cyber Liability Insurance offering combines first and third-party covers that respond to a data breach or a cyber incident.
CYBER LIABILITY INSURANCE QUOTE
How Does It Work?
What Is a Cyber Incident?
A cyber incident is a malicious act, malware, human error, DoS attack, theft of data, impacting your computer system or the computer system of a service provider, or reasonable suspicion of the same.
What is a Data Breach?
A data breach means a breach of security leading to the accidental or unlawful destruction, loss, alteration, or unauthorised disclosure of, or access to, personal data or confidential information transmitted, stored, or otherwise processed on your computer systems or the computer system of a service provider.
Cyber Coverage and Extensions
Cyber policies generally provide a mixture of first and third-party coverage, although not all extensions are as crucial to every business. The SHA policy is structured modularly so the insured can obtain a tailored solution for their business.
Data Breach Response
Covering expert investigator costs, expenses for notifying affected parties/data subjects, credit and identity theft monitoring costs, public relations expert costs, and legal defence expenses in response to regulatory actions.
Administrative Fines
Reimbursement of legally insurable fines and penalties imposed by a supervisory authority following a data breach.
Restoration
Reasonable and necessary costs of restoring data and software after a data breach.
Business Interruption
Payment of lost net profit due to disruption due to a cyber incident.
Cyber Extortion
Reimbursement of ransom amounts and other costs paid to resolve a cyber extortion event.
Cybercrime
Reimbursement of funds that have been illegally taken due to cybercrime.
PCI-DSS
Specified costs cover and reimbursement of fines or penalties levied by a payment card brand following a breach of Payment Card Industry Data Security Standards caused by a cyber incident.
Confidentiality and Privacy Liability
Damages, settlements, and legal defence costs arising from claims by third parties or employees relating to confidential or personal information following a data breach.
Network Security Breach
Legal defence costs, damages, or settlements where a third-party claim is made for a data breach, theft of data, or DoS attack caused by a malicious act or malware emanating from the insured’s computer systems.
Media liability
Legal defence costs, damages, or settlements where a third party alleges defamation, breach of copyright (including infringement of title, slogan, trademark, trade name, service mark, service name, domain name), breach, or interference of privacy rights — resulting from online media activities.