Cyber Insurance Services

This new insurance clause covers:

Invoice Manipulation: This is a new cover to reimburse you for loss as a direct result of theft committed by a third party of a client's money or other financial assets that the client intended to send to you for the provision of goods and services, but which you did not receive as a result of fraudulent electronic communications designed to impersonate a senior executive officer or employee.

New Vendor Fraud: This is a new cover to reimburse you for loss as a direct result of a fraudulent third party posing as a legitimate vendor of goods or services with whom you are transacting for the first time, resulting in you paying for goods or services that you did

not receive.

Physical Goods Fraud: This is a new cover to reimburse you for loss as a direct result of a third party committing any phishing, vishing or other social engineering attack against an

employee or senior executive officer that results in you sending the company's tangible property or goods to an unintended party. However, this Section will not cover loss as a result of a legitimate customer not paying or refusing to pay for tangible property or

goods that you have sent.

Theft of Client Funds: This is a new Section to reimburse you for loss as a direct result of you having to reimburse a client for theft of the client's money or other financial assets from a client's bank account that you had access to, provided that the theft was as a

result of a social engineering attack committed against you by a third party.

Voluntary & Regulatory Shutdown: This is a new cover to reimburse you for income loss and increased cost of working as a result of an interruption to your business operations where it was reasonable and necessary for you to take your computer systems offline to manage a cyber event or a where a governmental entity or regulatory body expressly requires you to take your computer systems offline in response to a cyber event.

Lost or Missed Bids: This is a new cover to reimburse you for your income loss sustained during the reputational harm period as a result of your failure to make or win a bid or request for proposal for a contract arising directly from a cyber event.

Contingent Bodily Injury: This new Section provides liability cover for any claim arising out of bodily injury caused as a direct result of a cyber event affecting your computer systems (provided you are not entitled to indemnity under any other insurance, except for

any additional sum which is payable over and above the other insurance).

Criminal Reward Cover: This is a new Insuring Clause which provides cover for amounts payable to a person or organisation (except for the auditor of the company or manager or supervisor of such auditor) for providing information which directly contributes to and results in the arrest and conviction of a threat actor who is committing or has committed any illegal act directly relating to a claim covered under Insuring Clauses 1, 2, 3, 4 or 5.