Privacy breach coverageCustomizable protection for your business’ unique needs.

For less than the cost of a cup of coffee a day*, your customers could enjoy the peace of mind that comes with our privacy breach coverage.

Basic business activities such as taking credit card payments, collecting employee records, launching a website or sending an email can expose organizations to a potential privacy breach. Responding to these incidents can be costly – both in time lost, reputation and expenses. Help your customers get back to business sooner with privacy breach coverage from Intact Insurance.

Coverage includes: • Legal expense coverage for certain legal fees or defence expenses from civil proceedings resulting from a covered privacy breach.• Remediation expense coverage for certain expenses that could include notifying your customers, post-breach fraud or credit

monitoring, and, if necessary, securing forensic services.• Business interruption coverage to cover certain loss of income resulting from the breach, including necessary extra expenses.

Third-party liability coverage:Offer your customers additional protection with optional third-party liability coverage, for legally obligated compensation to others and legal expenses resulting from a privacy breach.

With our privacy breach coverage your customers will benefit from:

Worldwide coverage Worldwide (some restrictions apply) for up to 60 days for business travel.

Extortion protectionBusiness interruption coverage for privacy breach losses due to cyber extortion. Computer forensic services are available to prevent or mitigate cyber extortion.

Covered devicesComputers, laptops, tablets, smartphones at the office, home office or in transit, with no cloud storage restriction.

Covered expensesNotification and public relation costs required by a government entity, as well as credit card or fraud monitoring expenses for a full year.

Business Interruption Coverage applies for 60 days with a waiting period of 24 hours.

Customizable limits

Customers can choose the limit of coverage that’s right for their business:

• Remediation expenses: $25,000 - $100,000 (in increments of $25,000)*• Business interruption: $25,000 - $100,000 (in increments of $25,000)*• Legal expense: $25,000 - $50,000• Optional third party liability: $50,000 - $100,000 (in increments of $25,000)*

*Limits over $100,000 are available for these coverages. Please speak to your Intact Insurance representative for more information.

Enhanced coverage

• Bring your own device: If your employees’ devices are personally owned and used with permission at work or at an office at home, your coverage extends to their laptops, smartphones, desktop PCs and tablets, if a breach arises from these devices.

• Extortion protection: Coverage for loss of income due to cyber extortion, including the cost of computer forensic services to prevent or mitigate the risk of a privacy breach.

• Mobile workforce: You’re covered for certain breaches if your employees are: » Working from home » Working from temporary locations in Canada for up to 60 days » Travelling for business worldwide (some restrictions apply) for up to 60 days

Expert assistanceThe ability to respond quickly to a privacy breach can help protect your customers. With our privacy breach coverage, your customers will also enjoy access to services from CyberScout®, an independent services provider specializing in cyber risk. CyberScout provides a suite of proactive and reactive services to help minimize the occurrence of a privacy breach and provide expert assistance should one occur.

Proactive breach services: • Data risk learning-management system: on-demand, web-based training

platform on important privacy breach issues such as compliance and privacy security

• Incident response plan: access to a customizable privacy breach incident response plan essential to minimizing the impact and potential fallout of a breach

Reactive breach services: • Notification assistance: assistance in preparing notification to impacted

individuals that comply with regulatory requirements • Computer forensic services: to determine if a privacy breach has

occurred and to assess the severity of the breach • Public relations services: public relations assistance to help restore your

business reputation • Credit or fraud monitoring: to support your customers affected by the breach • Crisis management: time-saving professional service to guide you in

handling a breach

Per claim and in the aggregate. Certain conditions, limitations and exclusions apply. The information that appears on this document is provided to you for information purposes only. Privacy breach expense offerings are through the Privacy Breach Expense endorsement, Privacy Breach Legal Expense endorsement and Privacy Breach Liability endorsement. Your insurance contract prevails at all times. Please consult it for a complete description of coverage and exclusions. Non-insurance services are provided by CyberScout Inc., an independent third party. These services do not constitute legal advice. If you require legal advice, please consult a lawyer. Intact Financial Corporation and its affiliates assume no responsibility for making the services available to you or for your use of the services. ®Intact Insurance Design is a registered trademark of Intact Financial Corporation, used under license. © 2020 Intact Insurance Company. All rights reserved.

Accessing CyberScoutGo to: www.intactinsurance.breachresponse.ca

Global username: Intactinsurance1Global password: Intactinsurance1

Note: The first time you log in, you will be prompted to create a unique username and password.

FAST FACTS about privacy breaches

49% of data breaches are due to a lost or stolen computer and 62% of mobile devices lost contain sensitive and confidential information.

By breaching private systems, cyber criminals can find payment card numbers and data, authentication credentials, copyrighted & trademarked materials, medical records, classified information, bank account numbers & data and other personal information (driver’s license, date of birth, social insurance number, etc.)

49% of businesses say they’ve lost customers due to a privacy breach, 43% say it’s damaged their brand, 41% reported increased expenses and 37% say a breach has decreased their revenue.

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