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Potential Third-party Coverages?

Cyber policies have both First and Third-party exposures.  Third-party exposures help to cover the cost of defending your business against damages or settlements that result from a covered claim.  Some policies may reduce the limit of insurance for defense costs so pay particular attention to your policy.  Other coverage's that might be included under Third-party exposures are listed below:

 

Cost for banks to re-issue credit cards

Legal defense

Website Publishing

Transmission of Malicious content

Defamation or Slander

Credit Monitoring

 

Policies vary from carrier to carrier so make sure your read your policy to verify you have the coverage you desire.  Also, review your policy for any sub-limits on specific coverages.   If you need a higher limit on a particular coverage make sure your review this with the carrier.   Some policies might have specific requirements for obtaining coverage.  If your company is using credit cards, you need to verify if you are PCI-DSS compliant.  In some policies, credit card coverage is excluded if you are not PCI-DSS compliant.


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