{"text":"This should represent the cost to replace and include all raw materials, finished items and customers goods for which the proposer is responsible.","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"If no goods are exported then please enter the total turnover against UK and £0 turnover for every other location.","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"Cover is available for up to 12 different groups of people, to enable the proposer to arrange the cover most suitable for their needs.","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"Directors of Limited companies should be input as Permanent Employees. Please give an estimate of the annual wages paid based on the forthcoming 12 months.","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"Where more than one activity is undertaken then choose the most hazardous.","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"The estimated wages amount for all employees of this type for the next 12 months.","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eCyber, data security and multimedia- For any claim which arises out of any actual or alleged cyber risk.\u003cbr/\u003eExtensions and exclusions apply\u003col\u003e\u003cli\u003eAcquisitions and creations\u003c/li\u003e\u003cli\u003eDishonesty of employees\u003c/li\u003e\u003cli\u003eFinancial transfer indemnification\u003c/li\u003e\u003cli\u003eLoss of or damage to documents\u003c/li\u003e\u003cli\u003eWithdrawal of content\u003c/li\u003e\u003cli\u003eVoice/Telephony\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eData breach notification costs- Data breach regardless of who is at fault so we will fund the cost of notifying the individuals concerned. This can include the costs to operate a call centre in severe cases\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eInformation and communication asset rectification costs- To replace / repair damaged hardware, if the hardware is damaged by a cyber-attack\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eRegulatory defence and penalty costs- If a UK company suffers a data breach, for whatever reason, the Information Commissioners Office (the ICO) have the ability to fine the company for breaching its duty to its customers. We will cover the insureds legal costs of defending a claim, and where insurable by law, pay the fine itself as well.\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003ePublic relations costs- We provide PR Advice to the client. Effectively we fund a specialist PR firm to advise the insured of what they should do and how during the breach.\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eForensics costs- These are often highly difficult things to understand without the aid of an I.T. security / hacking expert. Because of this under the cyber policy we will pay the reasonable costs to retain these services for the client.\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eCredit monitoring costs- if you lose a person’s credit card details, you may legally have to provide credit monitoring services on those persons affected\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eCyber extortion- if for example a hacker steals data from an insured, and requests a “ransom” payment to return it / not make it public, we will potentially fund the payment itself\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}
{"text":"\u003cp\u003eDepending on the cyber limit of indemnity selected, the social engineering fraud limits will range from £10,000 to £100,000 but always limited to a fixed 10% of the Cyber Policy Limit of Indemnity.\u003c/p\u003e\u003cp\u003eA higher social engineering fraud limit can be provided if Crime cover is added, limited to a fixed 50% of the Crime limit of indemnity or £250,000 whichever is the lower.\u003c/p\u003e","questionTextWidth":100,"verticalPosition":2,"horizontalPosition":3}