NetGuard™ and NetGuard Plus™:
NetGuard™

(Claims Made and Reported Basis)

NetGuard™ provides protection for the broad range of network-related exposures. Electronic medical
records and HIPAA have made these activities a fundamental aspect of any business holding individuals'
personal information. Losses are increasing as a result of public awareness of identity theft and hacking,
and the initiation of class action lawsuits.

Available coverages include:

Network Security Insurance - Coverage for allegations of breach of privacy, libel, identity theft, slander,
defamation, etc.

Government Investigation Defense Cost Insurance – Defense coverage for government investigations into
HIPAA violations.

Data Recovery Costs Insurance – Coverage for recovery of electronic data lost by reason of a computer virus
attack, hacking and other system invasions.

Definition of Loss includes the reasonable costs of notifying third person, if required
by any Network Security Wrongful Act.

Limits Available:      Up to $1,000,000

Minimum SIR:          $2,500

Minimum Premium:  $1,000



NetGuard™ Plus

(Claims Made and Reported Basis)

NetGuard™ Plus provides protection for the broad range of network-related exposures. Electronic records,
HIPAA and Privacy Protection Laws have made these activities a fundamental aspect of any business
holding individuals' personal information. Losses are increasing as a result of public awareness of identity
theft and hacking, and the initiation of class action lawsuits.
NetGuard™ Plus
Coverage Components

Network Security & Privacy Insurance - Including coverage for both online and offline information, virus
attacks, denial of service, HIPAA coverage, full regulatory defense coverage, regulatory fines and penalties
coverage, and more.

Electronic Media Insurance - Including Copyright/Trademark Infringement, Libel/Slander, advertising, false
advertising, plagiarism, personal injury, and more.

Customer Notification Costs Insurance - Includes all necessary legal, PR, advertising and postage
expenses incurred by the insured to notify third persons of a breach of information.

Data Recovery Costs Insurance – Coverage for all reasonable and necessary sums required to recover
and/or replace data that is compromised, damaged, lost, erased or corrupted.

Limits Available: Up to $5,000,000

Minimum SIR:        $2,500

Minimum Premium:        $2,500
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