Incident handling & incident management center
Reasonable and necessary expenses are paid due to a real or probable cyber incident for:
- Investigation of the causes, identification and treatment of the incident by a surveyor
- Compliance with applicable data protection laws after their violation
- Operation of a crisis management center
- Management and protection of the insured's reputation (up to 60 days)
- Legal defense costs arising from the actions of the supervisory authorities
- Administrative fines and sanctions of the supervisory authority as a direct consequence of the data breach
Database restoration
Reasonable and necessary expenses are paid for the restoration and adjustment of the insured’s data after an incident in the closest possible state before the incident.
Cyber blackmail
Compensation of ransom paid by the insured (if legally permissible) and reasonable and necessary expenses related to resolving a cyber blackmail.
Cybercrime
Compensation of funds illegally deducted from the insured as a direct result of a cybercrime.
Business shutdown (only for Cyber Total Plus package)
Coverage of loss of gross profit and increased labor costs incurred during the compensation period as a direct result of the complete or partial non-availability or downgrading of the insured’s system services due to a cyber incident (up to 90 days).
Confidentiality and privacy liability
Coverage of amounts for which the insured is legally liable and which arise from third party claims for breach of confidential data or breach of applicable data protection laws (including the personal data of the insured's employees).
Network security liability
Coverage of expenses, for which the insured is legally liable and which arise from third party claims due to an incident on the insured’s computer systems, which leads to:
- Damage due to alteration, destruction, unauthorized access, unauthorized disclosure of data stored on third party computer systems
- Interruption or downgrading of third party computer system services
Also covered: Civil Liability of the insured’s employees, which arises from a third party claim for acts or omissions in the context of their employment (unless such acts or omissions are intentional or malicious).