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Essential Cover for your Technology Risks
Cyber and electronic data exclusions, are now regularly appearing in material damage policies. These will normally only respond to "damage to physical or tangible property" such as fire and theft of hardware.
Gaps in cover have appeared in both material damage and liability policies through specific exclusions for 'virtual risks' and the amendment of general terms.
Esurance is designed specifically to provide cover for many of the exposures that may arise from a reliance on technology. Esurance dovetails with your existing policies, providing you with comprehensive cover against cyber risks.
Media event – Transmission of an email containing libel, slander, plagiarism, product disparagement or trade libel, or any breach of confidentiality or privacy
Technology Event – A third party's financial loss arising directly from a hacking attack or virus that has emanated from, or passed through, your computer system
System damage – as a result of a hacking attack or virus
Threats of extortion – to introduce any hacking attack or virus to your system
Infringement – of your website intellectual propert rights
Employee claims – for mental anguish, or harassment as a direct result of any employees' use of your computer systems