1. Cyber Risk Enhancement Coverage

2. Cyber security breaches are now a painful reality for virtually every type of organization and at every level of those organizations and, unfortunately, they are on the rise. Every organization with a website and/or who keeps electronic data has a significant cyber risk exposure!

3. Community Insurance Corporation Responds  Automatic Coverage for Every Insured  Both Third Party & First Party Coverage Components  Specialized Claims Service  Notification & Credit Monitoring Services  Data Breach Coach  Cyber Risk Management Education & Training

4. Community Insurance Corporation Coverage  Web Site Publishing Liability  Security Breach Liability  Public Relations Expense  Regulatory Defense, Fine and Penalty Expense  Replacement or Restoration of Electronic Data  Computer and Funds Transfer Fraud

5. Community Insurance Corporation Coverage Coverage Limits (Claims Made Coverage) Aggregate Limit of Insurance:$1,000,000  Web Site Publishing Liability$1,000,000  Security Breach Liability$1,000,000  Public Relations Expense$ 500,000  Regulatory Defense, Fine and Penalty Expense$500,000  Replacement or Restoration of Electronic Data$500,000  Computer and Funds Transfer Fraud$500,000

6. Community Insurance Corporation Coverage Web Site Publishing Liability Applies to liability arising out of claims for “wrongful acts” associated with the content posted to a policyholder’s web site. A wrongful act is defined to include actual or alleged errors, misstatements or misleading statements that result in an infringement of another’s copyright, trademark, trade dress, service mark, defamation, or violation of a person’s right to privacy

7. Community Insurance Corporation Coverage Security Breach Liability Covers both the loss and defense expenses as a result of a claim for a “wrongful act” or a series of “interrelated wrongful acts.” Security breach means the acquisition of personal information held within your computer system or a non-electronic format while in your care, custody or control or by authorized third party, by a person who is not authorized to have such information or who is authorized but whose access results in the unauthorized disclosure of such information.

8. Community Insurance Corporation Coverage Public Relations Expense Coverage is provided for any “loss” due to “negative publicity” resulting directly from an security breach. The expenses are used to cover the fees and costs of a public relations firm to protect and restore your reputation in response to negative publicity.

9. Community Insurance Corporation Coverage Security Breach Expense Applies to any incurred expenses or “loss” sustained as a result of a security breach, including investigation of whether a security breach has even occurred. Covered expenses also include the notification of affected parties, overtime salaries for employees, post-event credit monitoring for up to one year, and consulting expenses for post-event correction and remediation of conditions that led to the security breach

10. Community Insurance Corporation Coverage Regulatory Defense Expense Covers “fines and penalties” and “defense expenses” for regulatory proceedings as a result of a claim made against you resulting from a security breach

11. Community Insurance Corporation Coverage Replacement & Restoration of Data Coverage is provided to restore your electronic data or computer system and programs directly resulting from a virus or other malicious electronic attack designed to delete or incapacitate your computer systems

12. Community Insurance Corporation Coverage Computer & Funds Transfer Fraud This coverage provides payment of a loss resulting directly from a fraudulent entry or change in your electronic data or computer programs that causes unauthorized payment, transfer, debit, or delivery of money

13. Community Insurance Corporation Coverage What does coverage cost? This coverage in the commercial marketplace averages in a range of $2,500 to $25,000 for insureds in the size range of WERMC Community Insurance is providing coverage at no additional cost to our insureds

14. Community Insurance Corporation Coverage Is there a deductible? Yes. Your CIC School Board Legal coverage includes a deductible, that deductible will apply to this coverage

15. Community Insurance Corporation Coverage Risk Management Services May 12, 2014 – Webinar Introduction to “IDentityTheft 911” Cyber Questionnaire – IT Department Interface Ongoing “Best Practices” Informational Series

16. Community Insurance Corporation Coverage Claims Handling Report to your assigned adjuster: Ryan Anderson or Jeff Grip Shortly thereafter, you will be contacted by Great American who will work with your staff through the claims process. Claims payments will come from Community Insurance

17. Cyber Risk Enhancement Coverage