Cyber protection for your company

Findia Cyber insurance provides protection for companies that are exposed to damage caused by the use of computers, IT systems or other devices. Damage may relate directly to own losses (including system downtime and data loss) as well as losses caused to third parties (including data leaks and infection of third-party IT systems and computers).

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We are the representative of Lloyd’s, the largest specialist Insurer in the world, rated A+ by worlds’ biggest rating agencies. The international standard of protection provided by Lloyd’s will satisfy the requirements of your most demanding clients

Coverage

Section 2

First Party Cyber Liability

Loss of and damage to the insured's data networks

Under this section of coverage, the policy pays for the insured’s expenses incurred in the restoration of:

the proper operation of the insured’s network (to the pre-loss condition),
information stored on the insured’s network, including physical documents

in connection with the occurrence of a cyber event.

Business interraption

Under this section of coverage, the policy pays for:

the insured’s loss sustained due to a reduction of business income in the consequence of a business interruption,
insured’s expenses incurred in order to resume or restore their business operations,

arising out of a cyber event, cyber theft or cyber extortion.

Cyber theft

Under this section of coverage, the policy pays for a loss caused by:

theft or alteration/modification of the insured’s money or securities,
theft or loss of the insured’s goods in connection with the supply or delivery of goods,

which is sustained by the insured exclusively as a consequence of a cyber theft through unauthorised access during the period of insurance, but always excluding impersonation fraud.

Cyber extortion

Under this section of coverage, the policy pays for a loss caused by cyber extortion in connection with an imminent or probable threat of:

loss of, or damage to, the insured’s network,
loss of insured’s money or securities,
loss, disclosure or unauthorised use of the insured’s confidential information or the confidential information of others in the insured’s care,
defacement of the insured’s website,
the payment of forensic investigation costs on account of a claim related to para. (a)-(d) above,

which follows any reasonable threat to the insured posed by an extortionist, which occurs during the period of insurance.

Impresonation fraud

Under this section of coverage, the policy pays for the loss caused to any IT system as the result of impersonation fraud.

Notification costs

Under this section of coverage, the policy pays for expenses following an actual or suspected disclosure of personal information, which were incurred by the insured in order to:

comply with a security breach notice law of any jurisdiction within the territorial limits, and provide customer support services such as credit monitoring services, call centre costs and identity theft education and assistance costs,
notify relevant individuals of such disclosure where no such security breach law exists and provide customer support services such as credit monitoring services, call centre costs and identity theft education and assistance costs.

Damage to the insured's reputation

Under this section of coverage, the policy pays for reasonable and necessary expenses incurred to respond to adverse or unfavourable publicity or media attention resulting from a cyber event.

Section 3

Third Party Cyber Liability

Cyber media liability

Under this section of coverage, the policy pays for damages arising out of a third-party claim made against the insured in respect of:

defamation of any individual or commercial enterprise,
product disparagement,
unintentional infringement of intellectual property rights
improper deep-linking or framing;

arising from the insured’s cyber media activities.

Privacy liability and loss of documents

The insurer pays damages arising out of a claim made against the insured by a third party or insured’s employee in respect of:

a breach of an individual’s right of privacy or wrongful public disclosure of private information by the insured or third party custodian,
breach of the insured’s privacy policy, including breach of any common law or other law governing the confidentiality, integrity or accessibility of personal information, including any failure of the insured to provide notice of an actual or potential wrongful disclosure of personal information.

Liability for a breach and confidentiality

The insurer pays on behalf of the insured damages arising out of a third-party claim made against the insured in respect of disclosure of non-public corporate information or trade secrets in the custody of the insured or a third party custodian, including their failure to provide notice of an actual or potential wrongful disclosure of non-public corporate information.

Cyber security liability

The insurer pays on behalf of the insured damages arising out of a claim made against the insured by a third party in respect of the insured’s failure to prevent a cyber event resulting in:

the inability of others to access the insured’s network, or
damage to a third party network and/or loss of, or damage to, data stored on a third party network, or
loss of, or damage to, data of others stored on the insured’s network or with a third party custodian, or
loss of or damage to money or securities or the money or securities that the insured deposited with a third party custodian, but always excluding system failure.

Regulatory actions and fines

The insurer pays on behalf of the insured damages arising out of a claim made against the insured by a third party in respect of:

regulatory penalties, civil penalties or fines but only to the extent insurable by law;
regulatory defence costs in respect of a criminal, civil or administrative actions or proceedings, including any pre-trial or appellate proceedings of any regulatory investigation in connection with the insured’s business activities.

Amage to the insured's reputation

The insurer will reimburse the insured (subject to the sublimit defined in the policy) for reasonable and necessary expenses approved by the insurer to respond to adverse or unfavourable publicity or media attention resulting from a claim indemnifiable under the insurance contract.

Liability for a breach of payment security

The insurer pays on behalf of the insured damages arising out of a claim made by a third party in respect of a breach of a written contract between the Insured and any entity or individual that governs the storage and processing of credit card information including any breach of the PCI DSS (Payment Card Industry Data Security Standard).

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Fill out the contact form, we will contact you immediately, collect necessary details and send you the offer by e-mail.

+48 22 112 02 40

kontakt@findia.pl

Our partners:

Findia, with its registered office in Warsaw, at ul. Puławska 145, 02-715 Warsaw, entered in the Register of Entrepreneurs kept by the District Court for the Capital City of Warsaw in Warsaw, 12th Commercial Division of the National Court Register, under KRS number: 0000421624, NIP: 525-25-32-986, REGON: 146140831, share capital: PLN 250,000 (paid in full).

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