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Cover includes:
Claims made by third parties...
- for damage to their computer systems and/or records (for example, through forwarding a virus or through your employees' hacking activities)
- for their losses as a result of your computer systems being inaccessible or as a result of you losing their data
- for breaches of confidentiality or rights of privacy (for example, a breach of the Data Protection Act)
- for libel and slander due to email or web site content
- for breaches of intellectual property rights due to email or web site content
- for misleading advertising, misleading pricing or jurisdictional issues
- for any errors or omissions in the provision of technology services to your clients
Claims made by your employees...
- for an inappropriate workplace (for example, sexual or racial harassment charges due to email content or internet use)
- for breaches of confidentiality due to you misusing their employee information
Your own losses...
- the costs incurred in repairing the damage caused to your computer systems and finding, replacing or restoring your computer records as a result of a hack attack or virus
- your lost revenue due to your inability to conduct trade electronically as a result of a hack attack or virus
- ransom demands or threats to introduce a virus or hack into your computer systems, or to disseminate the data you hold on your computer systems to third parties.
- your losses as a result of third parties using your computer systems to steal your money
- your legal expenses incurred in the enforcement of your intellectual property rights on the internet
- the costs of a public relations consultant to mitigate the damage to your reputation as a result of any loss that is covered under the policy
Esurance™ in practice...
For example, if your company suffers a bad virus attack, Esurance™ can help in up to four ways:-
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Esurance™ will pay for the costs of expert IT or forensic consultants to repair your systems and restore your data
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Esurance™ will reimburse you for any of your lost revenue as a result of your downtime
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If a third party holds you responsible for their losses (either because you forwarded the virus to them, or because they relied on your computer systems' uptime to trade) then Esurance™ will pay your legal costs and any damages that are awarded against you
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Esurance™ will pay for the costs of a PR consultancy to minimise the damage to your reputation
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This is only a summary of the cover. Reference should be made to the bill policy wording.
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