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Cyber Liability Wording

Cyber Liability Extension Wording

The following definitions are applicable to this endorsement only:

Cyber extortion a demand for money or something else of value in exchange for not carrying out a threat to commit harm to computer systems
Computer system your own computer network, including any third party software programs and portable media or computer devices
Hacker anyone who specifically targets you and gains access to your website via the internet or other external electronic link, solely by electronically circumventing the security systems in place to protect against such access
Infringement any actual or alleged unauthorised use or violation
Intellectual property any intellectual property, including a trademark (including collective or service mark), a certification mark, trade name, trade dress, trade secret, copyright or passing off or link to or framing of another page. However, this does not apply to any domestic or foreign patent or patent-related rights
Breach of privacy any computer-related unauthorized collection, use or disclosure of non-public personal information as established by law
Programme a set of instructions written in a computer language that tells a computer how to process data or interact with ancillary equipment
Security breach any actual or alleged failure to prevent unauthorised access to or use of any computer, software, network or electronic information system
Virus programmes that are secretly introduced without your permission or knowledge including but not limited to malware, worms, trojans, rootkits, spyware, dishonest adware, crimeware and other malicious unwanted software
Website any website(s) where you have full control over the content and which you operate for the promotion of your business.
Also includes its domain name, metatags and hyperlinks and the marketing and advertising of your business contained therein

Addition of cover

We agree to indemnify you in respect of your civil liability for any claim for compensation arising from:

a. the content of your computer systems, website or additions made by a hacker due to:

i. your unintentional infringement of any intellectual property;

ii. any defamatory statement on your website or in your email, concerning your client or business competitor?

iii. your unintentional breach of confidence, breach of privacy or infringement of any right to privacy;

iv. a security breach

b. your negligent transmission of a computer virus, worm, logic bomb or trojan horse to anyone with whom you transact business with, or who uses your website in the course of their business?

c. your unauthorised collection or misuse of any data concerning any customer or potential customer of yours which is either confidential or subject to statutory restrictions on its use and which you obtained through the internet or website and hold electronically.

d. a third party's good faith reliance on a hacker's fraudulent use of your encrypted electronic signature, encrypted electronic certificate, email or website where there was a clear intention to cause your loss or obtain a personal gain for the hacker

First Party Hacker Damage

We agree to pay the reasonable and necessary costs and expenses that you incur if a hacker damages, destroys or alters your website or computer system. Such costs and expenses paid will be to repair or replace the affected part of the website or computer system to the same or equivalent standard and with the same contents or as near as reasonably possible as immediately before such website or computer system was damaged, destroyed or altered.

Advertising expenses

Following a claim under this section of the policy and with our prior consent we agree to pay the reasonable and necessary costs and expenses that you incur:

a. for advertising or publicity;

b. for broadcast, electronic, printed telecast or telephonic announcements communications or notices;

c. for credit monitoring services for a period not exceeding twelve (12) months from the date of the security breach or breach of privacy;

d. for public relations services; and

e. to contact the following who attempted to use your website during the period it was damaged, destroyed or altered:

i. any individual;

ii. those with whom you transact business with, and

iii. those who use your website in the course of their business?

Extensions of cover section 4.3 Continuous cover included within the main policy wording does not apply to this endorsement


The following exclusions are applicable to this endorsement only:

We shall not be liable to indemnify you for:

1. any virus, worm, logic bomb or Trojan horse that was not specifically targeted at you;

2. any hardware, software or firmware's failure to correctly recognise any given date;

3. the infringement of any patent;

4. the use or provision of any games, or any gaming, gambling, lottery or auctioneering facilities or services;

5. the failure or interruption of the service provider by an internet service provider or any telecommunications or other utility provider?

6. any pornographic, sexually explicit or obscene material unless arising directly from the activities of a hacker?

7. your liability under any contract which is greater than the liability that you would have at law without the contract?

8. your supply, manufacture, sale, installation or maintenance of any product?

9. any statement that you knew or ought reasonably to have known was defamatory at the time of publication?

10. any loss of income, profit, mark-up or liability for VAT or its equivalent:

11. any trading loss or trading liability including those arising from the loss of any client, account or business?

12. any liability arising from any user generated content?

13. any claim, including arbitration, brought outside of United Kingdom, Republic of Ireland, Channel Islands or Isle of Man. This applies to proceedings in the applicable courts to enforce, or which are based on, a judgment or award from outside the applicable courts?

14. any fines and contractual penalties, punitive or exemplary damages?

15. any act, breach, omission or infringement that you deliberately, dishonestly or recklessly committed, condoned or ignored;

16. any prior pending litigation, known claims or known circumstances;

17. any actual or alleged bodily injury, mental injury, illness, disease or death of anyone;

18. any cyber extortion.

We will not make any payment under this endorsement if you have failed to:

1. take reasonable steps to use, maintain and upgrade any program which protects against computer viruses;

2. install a fire wall or other similar configured device to control access to your computer Systems;

3. encrypt and control the access of all computer systems and external devices including plug-in devices networked to your computer systems;

4. control unauthorised access to your computer systems by correctly configuring your wireless network;

5. maintain an operational system for logging and monitoring user activity on your computer systems;

6. make backup copies of any data, file or program at reasonably frequent intervals of no less than monthly basis?

7. change all passwords on your computer systems at least every sixty (60) days;

8. cancel any user name, password or other security protection after you knew or had reasonable grounds to suspect that it had been made available to any unauthorised person or parties.

Limit of Liability

The cover provided under this endorsement is limited to any one claim and in the aggregate inclusive of defence costs which shall be included within and not in addition to the limit of liability stated in the schedule.

In all other respects the policy remains unaltered.

Notification of claims

Upon discovery of a cyber liability event where cover is afforded under this endorsement you must inform us immediately by contacting:

Rowena Byrne-Jones or James Neave
Crawford & Company Adjusters (UK) Ltd
70 Mark Lane

Tel: 020 7265 4318 (direct) 07468 861063 (mobile)

Except as otherwise provided by this endorsement, all other terms and conditions of this policy shall remain in force.

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