Delta Insurance vs dual-nz — Cyber liability
Cyber liability covers both first-party costs (incident response, forensic, notification, business interruption, ransom) and third-party liability (privacy claims, regulator fines). NZ wordings differ on whether ransomware extortion payments are insurable and how Privacy Commissioner penalties interact with statutory liability.
Delta Insurance
Delta Insurance New Zealand Limited
Not on file — request latest wording from Delta Insurance via FCIB.
dual-nz
—
Not on file — request latest wording from dual-nz via FCIB.
Side-by-side fact comparison
Each row is a fact-key from the Cyber liability wording. "Not on file" means either the wording doesn't address that fact, or Phase C structured-facts extraction hasn't been run yet on this insurer's wording.
| Fact | Delta Insurance | dual-nz |
|---|---|---|
| limit of indemnity options | Not on file | Not on file |
| first party costs covered | Not on file | Not on file |
| third party costs covered | Not on file | Not on file |
| ransomware payment handling | Not on file | Not on file |
| business interruption inclusion | Not on file | Not on file |
| privacy commissioner penalty handling | Not on file | Not on file |
| breach notification costs | Not on file | Not on file |
| forensic costs covered | Not on file | Not on file |
| key exclusions | Not on file | Not on file |