Cyber Security · Cover Explained网络安全 · 险种解读
Cyber Liability网络责任险
Data Breach & Hacker Attacks数据泄露与黑客攻击
What it covers
Covers third-party liability and own financial losses from cybersecurity incidents — data breaches, ransomware, hacker attacks.
Scope of cover
- Privacy breach liability: customer data leakage compensation
- Cyber extortion: ransomware payments and negotiation
- Data recovery: repair and reconstruction costs
- Business interruption from network paralysis
Exclusions
- Infrastructure failure (citywide power outage)
- Government administrative fines (some regions)
- Long-term profit loss from IP theft
保障承诺
承保因网络安全事件（数据泄露、勒索软件、黑客攻击）导致的第三方责任及企业自身的经济损失。
保障范围
- 隐私泄露责任：客户数据泄露引发的赔偿
- 网络勒索：黑客勒索赎金及谈判费
- 数据恢复：受损数据的修复与重建成本
- 营业中断：因网络瘫痪导致的利润损失
不保事项
- 基础设施故障（全城停电、电信骨干网故障）
- 政府行政罚款（部分地区）
- 知识产权盗窃带来的长期利润损失
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
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