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Commercial Lines - Data Breach/Cyber LiabilityLiability for Damages - Unauthorized Access • Access gained as a result of fraud or deception • Authorized use for unauthorized purposes • Threat to initiate malware for extortion purposes • Data from lost or stolen laptops, smart phones and flash drives • Whether or not for profit or gain • Applied to potential unauthorized access • Loss or improper disposal of paper records • Supplementary payments for: Notification costs, credit monitoring, public relations expense and rewards reimbursement Loss To The Insured • Reasonable costs to restore system & data • Extra expense to remain functional • Reasonable expense to reduce loss payments • Payment of an extortion demand Liability - Content Published On The Insureds Website • Copyright infringement • Libel, slander, defamation • Invasion of privacy, plagiarism Underwriters:
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