nzi vs AIG — Cyber liability

[
  "Legal Expenses (fees, costs and expenses of a Response Advisor providing Legal Services)",
  "IT Expenses (fees, costs and expenses of an IT Specialist providing IT Services)",
  "Data Recovery Expenses (reasonable and necessary fees, costs and expenses to identify, determine recoverability of, and restore/recreate/repair/recollect lost, damaged, destroyed, encrypted or corrupted Data)",
  "Reputation Protection Expenses (fees, costs and expenses of a Public Relations Advisor providing Reputation Protection Services)",
  "Notification Expenses (investigating and collating information, preparing notices and notifying Data Subjects, Third Parties and Regulators, setting up and operating call centres)",
  "Credit Monitoring and ID Monitoring Expenses (for Data Subjects whose Personal Information is reasonably believed to have been disclosed or transmitted, for up to 2 years from activation)",
  "Bricking Recovery Expenses (if Bricking Recovery Expenses Cover is Included: reasonable and necessary fees, costs and expenses to replace non-functional components of a Company Computer System)",
  "First Response Expenses (if First Response Cover is Included: fees, costs and expenses of First Response Advisor, First Response IT Specialist and Public Relations Advisor)",
  "Network Loss (actual Loss sustained from reduction in business income and Increased Costs of Working during and after a Material Interruption)",
  "Network Interruption Costs (reasonable and necessary costs and expenses to minimise Network Loss or reduce impact of Material Interruption)",
  "Loss Preparation Costs (if Loss Preparation Costs Cover is Included: professional fees and expenses of third-party forensic accounting firm)",
  "Cyber Extortion Loss: payment of cash, monetary instrument, Cryptocurrency (including costs to obtain such Cryptocurrency) or fair market value of property paid to prevent or end an Extortion Threat, and Cyber Extortion Expenses"
]

[
  "Damages that an Insured is legally liable to pay resulting from a Claim (including punitive or exemplary or multiple damages where lawfully insurable and any monetary amounts required by law or agreed by settlement to deposit into a consumer redress fund)",
  "Defence Costs in relation to the investigation, response, defence, appeal or settlement of a Claim or Regulatory Investigation",
  "Data Protection Fines: any lawfully insurable fines or penalties adjudicated by a Regulator for breach of Data Protection Legislation",
  "Amounts payable in connection with a PCI-DSS Assessment",
  "Digital Media Content Liability: Damages and Defence Costs arising from Claims for Wrongful Acts in Digital Media Activities"
]

[
  "Betterment: costs of updating, upgrading, enhancing or replacing a Company Computer System beyond its prior level, or removing software program errors or vulnerabilities (with carve-outs where Bricking Recovery Expenses Cover is Included)",
  "Bodily Injury and Property Damage: physical injury, mental illness, sickness, disease, death, or loss/damage/destruction of tangible property (with limited carve-outs)",
  "Government Entity or Public Authority: seizure, confiscation or nationalisation by order of any government entity or public authority",
  "Infrastructure: electrical or mechanical failure of infrastructure not under the control of a Company (with carve-out for Loss caused solely by Security Failure or Breach of Confidential Information)",
  "Internal/Staff Costs: payroll, fees, benefits, overheads or internal charges of any kind incurred by a Company",
  "Patent/Trade Secret: infringement of patents, loss of rights to secure registration of patents, or misappropriation of trade secrets by or for the benefit of a Company",
  "War and Terrorism: war (whether declared or not), terrorism (except Cyber Terrorism), invasion, use of military force, civil war, popular or military rising, rebellion or revolution",
  "Anti-Terrorism Legislation (Cyber Extortion): payments that would expose the Insurer to applicable anti-terrorism legislation or regulation",
  "Business Conditions (Network Interruption): loss of earnings or costs attributable to unfavourable business conditions",
  "Trading Losses (Network Interruption): trading losses, liabilities or changes in trading account value",
  "Liability (Network Interruption): written demands or civil/administrative/arbitral proceedings by Third Parties, or penalties paid to Third Parties",
  "Anti-Trust (Security and Privacy Liability; Digital Media): actual or alleged antitrust violation, restraint of trade, unfair competition, unfair or deceptive business practices, consumer protection law violations",
  "Assumed Liability, Guarantee, Warranty (Security and Privacy Liability): liability assumed under contract except to extent it would have attached in absence of contract (with carve-outs)",
  "Employment Practices Liability (Security and Privacy Liability; Digital Media): employment practices including wrongful dismissal, discrimination, harassment, retaliation",
  "Securities Claims (Security and Privacy Liability; Digital Media): violations of laws relating to Securities ownership, purchase, sale or offer",
  "Insured v Insured: Claims brought by or on behalf of an Insured against another Insured (with specific carve-outs per section)",
  "Prior or Pending proceedings as of the Continuity Date or claims arising from facts that should have been notified under prior policies",
  "Non-compensatory or multiple Damages (except where expressly covered), liquidated Damages",
  "Fines or penalties (except Data Protection Fines to the extent covered under Insurance Cover 1.1)",
  "Costs of complying with injunctive or other non-monetary relief",
  "Internal/staff costs and overheads of any Insured from Loss definitions"
]