*Source: Denver PostThis document is issued as an aid to assist you & your client in the overall understanding of the Policy. This is not part of the insurance contract & confers no rights upon you or your client. This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance purchased read the policy, declarations page & any endorsements, & discuss with your broker. Actual terms & conditions may be amended by endorsement or affected by state laws and are subject to individual underwriting, certain coverage features may be restricted. Not intended to be a representation of coverage. See policy wording for details. All coverage features are still subject to individual underwriting and certain coverage features may be restricted. Copyright © 2013 PLIS®, Inc. and its licensors. All rights reserved.

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An unforeseen data breach hit the restaurant and stemmed to several of their other locations - fees piled up

reaching upwards of $250,000.

"We make burgers for a living - PCIcompliance is very new to us. Credit card & gift card usage has gone up so

much in the past few years..."

"The breach caused immense frustration. The fines were

financially burdening and the breach did damage to our

customer confidence. It was a sickening process and I would

never wish the experience we had on anyone. "

- Restaurant Owner Interview

Restaurant Owner's Nightmare - First Hand Data Breach Experience

The average data breach of a non-PCI (Payment Card Industry) compliant restaurant is $80,000. In addition to the initial $80,000 expense, turning customers away due to the inability to accept credit cards for several days and being in the spotlight of negative media can be a recipe for reputational harm. A combination of tight operating budgets, inadequate security training and restaurant industry attitudes toward online security are making franchise restaurants a very tasty target.* Restaurants are responsible for keeping their customers safe from a food borne illness, as well as securing their credit card information - coverage is necessary for this type of exposure!

Food Borne Illness Coverage - Food Borne Illness Coverage - Expanded to Cover Data Breach EventsExpanded to Cover Data Breach Events

� Customer and employee data breach� Impact from publicity of a data breach event (same trade name)� Credit card forgery� Credit card slip theft events

� Business Interruption (loss of revenue reimbursement)� Incident Response Expenses (extra expenses) including: � marketing efforts � computer expert investigation � mailing courtesy notifications � other mitigation related expenses� Credit Card Forgery and Credit Card Slip Theft, Disappearance or Destruction Events, expenses include: � payments or credits to customers � debits or charge backs assessed by credit card companies

� Business Interruption (loss of revenue reimbursement)� Workplace Violence� Extortion Threats� Extra Expenses including: � Cost of marketing efforts � Overtime of regular staff & hiring temporary staff � Costs to remove contaminated product from restaurant � Other mitigation related expenses such as cleaning� Crisis Management Services including assistance with health department staff, regulatory requirements, effective marketing, restoration of community reputation & media control� Inoculations, Vaccinations & Testing (Outside the limits)

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Data Breach Endorsement Responds to:Data Breach Endorsement Responds to:

Data Breach Endorsement Features:Data Breach Endorsement Features:

Food Borne Illness Program Features:

Food Borne Illness Coverage Food Borne Illness Coverage Data Breach CoverageData Breach Coverage

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