Cyber
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AFL’s Cyber specialists help their clients better understand evolving Cyber exposures, evaluate, and mitigate their risk and design and place Cyber policies and programmes for Commercial, Financial and Professional sectors. We have extensive knowledge and experience in reviewing existing insurance programmes so that any Cyber policy placed efficiently dovetails with existing coverage, ensuring there are no gaps or unnecessary duplication .
Our specialist team works with leading Lloyd’s insurers and other markets across the UK, Europe, Asia and Bermuda to design bespoke Cyber solutions for our clients.
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First Party Coverage
- Privacy Data Breach Notification and Mitigation Costs
- Cyber Extortion & Ransomware
- Crisis and Breach Response Services
- Business Interruption – extends to critical service providers, system failures and preventative shutdown
- Contingent Business Interruption
- Computer Fraud Coverage & Social Engineering Fraud
- System and Data Rectification Costs, including Computer Hardware
- Reputational Damage
- Fines and Penalties
- PCI Fines, Penalties and Assessments Coverage, for fines insurable by law, involving payment card data (PCI) and non-compliance of HIPAA
- Coverage is provided on a first discovered basis
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Third Party Coverage
- Network & IT Privacy and Security Liability
- Communications & E-Media Liability
- Professional & Technology Services Errors & Omissions
- Regulatory Defence Costs