Cyber Liability Insurance

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, 其他技术给大小企业都带来了巨大的利益. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers. 如果这些信息丢失、被盗或泄露，您的公司就处于危险之中. In fact, 你甚至可能被法律要求提醒那些受到破坏影响的人，并支付由此产生的任何经济损失.

网络责任涵盖提供保护，由于未经授权访问电子数据或软件在您的网络. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. 当您拥抱技术来帮助您经营业务时，这种覆盖迅速变得越来越重要.

If your company is faced with a data breach or cyber-attack, 你可能会被迫承担与违约相关的费用，比如危机管理, hiring a public relations firm to manage a data breach incident, costs associated with forensic analysis, 如果有病毒破坏了商业软件和数据，修复和恢复计算机系统的费用, and the loss of business income resulting from a data breach.

第一方保险将为您的业务因您自己的数据或收入损失或因数据泄露或网络攻击而对您的业务造成的其他损害提供保险. This coverage will pay you for things like business interruption, the cost of notifying customers of a breach, 甚至雇佣公关公司来修复因网络攻击而对你的形象造成的损害. 有了这些资金，在发生严重的黑客攻击时可以保持灯亮，直到你能够恢复正常的业务操作.

如果电子邮件病毒影响了数据库的操作，使您在一天或更长时间内无法为客户提供和记体育注册app，您该怎么办? 或者，如果黑客或网络罪犯造成系统中断或长时间停机，该怎么办, leaving your business inoperable? 这些活动和其他活动会破坏你为客户和记体育注册app和带来收入的能力, 哪些因素会对企业的生存能力产生重大的长期影响.

如果您的公司由于商业财产保险保单承保的灾难相关损失而不能正常运作，业务中断保险将补偿您的收入损失, such as data breach or cyber-attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, 即使商业活动暂时停止，这种情况仍在继续.

If your business handles sensitive customer data (such as email lists, credit card records or other files), data breaches pose a serious threat to your financial stability. 因数据泄露而引起的诉讼意味着你的企业有责任支付法律费用, court-ordered judgments or settlements and other court-related costs.

第三方保险在客户或合作伙伴因您的业务行为或疏忽所允许的数据泄露而提起诉讼的情况下保护您.

如果您的业务在正常业务运营中经历了数据泄露或机密信息违反, 你可能会被发现违反了隐私法，并被要求支付罚款或其他监管问题.

您可能有资格获得监管索赔覆盖，这将为响应与披露法律相关的诉讼和其他可能导致辩护费用的政府行动提供保护, fines and/or penalties. Coverage does vary and may be restricted by local law.

If hackers gain control of critical systems, they may demand a ransom be paid to avoid additional consequences. 有时这些可能是空洞的威胁，但不可能确切知道. Paying the ransom can be costly. 冒险选择不付款有时会让一家公司破产.

赔偿赎金和网络勒索可以包括在网络责任政策中，可以帮助赔偿赎金成本，以重新获得网络系统的控制权. This is often not included in a standard policy, may include a separate sublimit and deductible, 并可能要求遵守保险人规定的某些条件.