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Cyber insurance provides coverage for businesses in the event of cyberattacks, data breaches, and other cyber incidents that could result in financial losses or damage to the business. Here are some common cyber insurance coverages and optional add-ons:

• Data Breach Response Coverage: This coverage helps businesses respond to and recover from a data breach. It may include expenses related to breach notification, credit monitoring for affected individuals, public relations efforts, and legal fees.

• Cyber Liability Coverage: Cyber liability coverage protects against liability claims arising from a data breach or other cyber incidents. It covers legal defense costs, settlements, and judgments resulting from lawsuits related to privacy violations, intellectual property infringement, or failure to protect customer data.

• Network Security Liability Coverage: This coverage protects businesses against claims related to unauthorized access to their computer systems, network security failures, or transmission of malicious code or malware to third parties.

• Business Interruption Coverage: Business interruption coverage provides reimbursement for lost income and additional expenses incurred due to a cyber event that disrupts business operations. It can include coverage for downtime, data recovery, and necessary system repairs.

• Extortion and Ransomware Coverage: This coverage helps businesses respond to ransomware attacks or extortion attempts. It can cover ransom payments, expenses related to negotiating with cybercriminals, and the services of cyber incident response experts.