Page 106 - Hollard Private Portfolio

Specific definitions for the Cyber insurance section
The following definitions are used in the Cyber insurance section of this policy.
Child
Computer systems
Cyber extortion
Cyber incident
Data breach
Electronic media
Email spoofing
Immediate family IT infrastructure
Legal costs
Means your financially dependent under the age of 21, or under 25 years if a full- time student, and can include a biological child, stepchild, a grandchild, a legally fostered child or an adopted child
Information technology and communications systems which include hardware, IT infrastructure, software and electronic media to manage electronic data
This does not include operational technology that monitors or controls devices and events in business or embedded systems. For example, a monitor system used to change valves
If you receive a legitimate threat or a demand for ransom by a third party to harm your computer system or if we need to resolve a cyber incident caused by that third party
A malicious act that has a negative impact on your computer systems, including hacking, extortion, theft of data or malware
A security breach where someone retrieves, destroys, changes, loses or discloses personal data unlawfully from your own or outsourced computer system. For example, someone hacking into your computer system or your email provider to steal personal data
IT devices that are used to record and store digital data. This includes external drives, CD-ROMs, DVD-ROMs, magnetic tapes or disks, and USB sticks
Forging an email header so that the message appears to have been sent from the legitimate source. For example, changing an email header so that the email appears to come from your bank
Your partner, parents, parents-in-law, children, biological brothers and sisters
Communication equipment or facilities that are used to maintain the functioning of electronic facilities that support computer systems and data
Legal fees including costs for experts, investigations, court appearances, surveys, examination and procedures that are necessary to defend your case. These legal costs do not include general expenses such as salaries and overheads
Cyber insurance
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Hollard Private Portfolio – Version 3.0.0 – 20 April 2020