Data Breach Program Pricing Companies with revenues less than $1,000,000

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Joel Horn
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Data Breach Program Pricing Companies with revenues less than Limit of Liability Aggregate $250,000 $500,000 $2,000,000 Retention $1,000 $1,000 $1,000 $1,000 25,000 records $250,000 $500,000 Security

$500,000 $2,000,000 Cyber Extortion $250,000 $500,000 $2,000,000 $250,000 $500,000 $2,000,000 Premium: $250 SL Tax $7.50 Fees $.50 Total $258.00 Premium $500 SL Tax $15.00 Fees $1.00 Total $516.

1 Data Breach Program Pricing Companies with revenues less than Limit of Liability Aggregate $250,000 $500,000 $2,000,000 Retention $1,000 $1,000 $1,000 $1,000 25,000 records $250,000 $500,000 Security & Privacy Liability $250,000 $500,000 $2,000,000 Regulatory Defense & Penalties $250,000 $500,000 $2,000,000 PCI Fines & Penalties $250,000 $500,000 $500,000 $500,000 Website Media Liability $250,000 $500,000 $2,000,000 Cyber Extortion $250,000 $500,000 $2,000,000 $250,000 $500,000 $2,000,000 Premium: $250 SL Tax $7.50 Fees $.50 Total $ Premium $500 SL Tax $15.00 Fees $1.00 Total $ Premium $750 SL Tax $22.50 Fees $1.50 Total $ To bind coverage: 1. Choose the option number and premium from the chart. 2. Complete the application. 3. Attached premium check, made payable to Insurance Agents Services, Inc. 4. You may mail to : IIABAZ, 333 E. Flower Street, Phoenix, AZ Or contact: Joni R. Fairbrother, CIC, RPLU joni@iiabaz.com Direct Line: , Main Office: (602) , Toll Free: (800) , Fax: (602) Premium $1250 SL Tax $37.50 Fees $2.50 Total $

2 Companies with revenues $1,000,001 - $2m Limit of Liability Aggregate $500,000 $2,000,000 Retention $1,000 $1,000 $1,000 $1,000 $500,000 Security & Privacy Liability $500,000 $2,000,000 Regulatory Defense & Penalties $500,000 $2,000,000 Website Media Liability $500,000 $2,000,000 Cyber Extortion $500,000 $2,000,000 $500,000 $2,000,000 Premium: $550 SL Tax $16.50 Fees $1.10 Total $ Premium $850 SL Tax $25.50 Fees $1.70 Total $ Premium $950 SL Tax $28.50 Fees $1.90 Total $ Premium $1500 SL Tax $45.00 Fees $3.00 Total $

3 Companies with revenues $2,000,001 $3m Limit of Liability Aggregate $500,000 $2,000,000 Retention $1,000 $1,000 $1,000 $1,000 $500,000 Security & Privacy Liability $500,000 $2,000,000 Regulatory Defense & Penalties $500,000 $2,000,000 Website Media Liability $500,000 $2,000,000 Cyber Extortion $500,000 $2,000,000 $500,000 $2,000,000 Premium: $750 SL Tax $22.50 Fees $ 1.50 Total $ Premium $950 SL Tax $28.50 Fees $ 1.90 Total $ Premium $1100 SL Tax $33.00 Fees $2.20 Total $ Premium $2200 SL Tax $66.00 Fees $4.40 Total $

4 Companies with revenues $3,000,001 $4m Limit of Liability Aggregate $500,000 $2,000,000 Retention $2,500 $2,500 $2,500 $2,500 $500,000 Security & Privacy Liability $500,000 $2,000,000 Regulatory Defense & Penalties $500,000 $2,000,000 Website Media Liability $500,000 $2,000,000 Cyber Extortion $500,000 $2,000,000 $500,000 $2,000,000 Premium: $950 SL Tax $28.50 Fees $1.90 Total $ Premium $1100 SL Tax $33.00 Fees $2.20 Total $ Premium $1250 SL Tax $37.50 Fees $2.50 Total $ Premium $2350 SL Tax $70.50 Fees $4.70 Total $

5 Companies with revenues $4,000,001 - $5m Limit of Liability Aggregate $2,000,000 Retention $2,500 $2,500 2,500 2,500 1 Security & Privacy Liability $2,000,000 Regulatory Defense & Penalties $2,000,000 Website Media Liability $2,000,000 Cyber Extortion $2,000,000 $2,000,000 Premium: $1200 SL Tax $36.00 Fees $2.40 Total $ Premium $1350 SL Tax $40.50 Fees $2.70 Total $ Premium $1500 SL Tax $45.00 Fees $3.00 Total $ Premium $2700 SL Tax $81.00 Fees $5.40 Total $

6 Companies with revenues $5,000,001 - $6m Limit of Liability Aggregate $2,000,000 $2,000,000 Retention 2,500 2,500 2,500 2,500 Security & Privacy Liability $2,000,000 $2,000,000 Regulatory Defense & Penalties $2,000,000 $2,000,000 Website Media Liability $2,000,000 $2,000,000 Cyber Extortion $2,000,000 $2,000,000 $2,000,000 $2,000,000 Premium: $2180 SL Tax $65.40 Fees $4.36 Total $ Premium $2250 SL Tax $67.50 Fees $4.50 Total $ Premium $2850 SL Tax $85.50 Fees $5.70 Total $ Premium $3160 SL Tax $94.80 Fees $6.32 Total $

7 Companies with revenues $6,000,001 - $7m Limit of Liability Aggregate $2,000,000 $2,000,000 Retention 2,500 2,500 2,500 2,500 Security & Privacy Liability $2,000,000 $2,000,000 Regulatory Defense & Penalties $2,000,000 $2,000,000 Website Media Liability $2,000,000 $2,000,000 Cyber Extortion $2,000,000 $2,000,000 $2,000,000 $2,000,000 Premium: $2610 SL Tax $78.30 Fees $5.22 Total $ Premium $2895 SL Tax $86.85 Fees $5.79 Total $ Premium $3275 SL Tax $98.25 Fees $6.55 Total $ Premium $3655 SL Tax $ Fees $7.31 Total $

8 Companies with revenues $7,000,001 - $8m Limit of Liability Aggregate 1,000,000 1,000,000 $2,000,000 $2,000,000 Retention 2,500 2,500 2,500 2,500 Security & Privacy Liability $2,000,000 $2,000,000 Regulatory Defense & Penalties $2,000,000 $2,000,000 Website Media Liability $2,000,000 $2,000,000 Cyber Extortion $2,000,000 $2,000,000 $2,000,000 $2,000,000 Premium: $2930 SL Tax $87.90 Fees $5.86 Total $ Premium $3275 SL Tax $98.25 Fees $6.55 Total $ Premium $3655 SL Tax $ Fees $7.31 Total $ Premium $4085 SL Tax $ Fees $8.17 Total $

9 Companies with revenues $8,000,001 - $9m Limit of Liability Aggregate $2,000,000 $2,000,000 Retention 2,500 2,500 2,500 2,500 Security & Privacy Liability $2,000,000 $2,000,000 Regulatory Defense & Penalties $2,000,000 $2,000,000 Website Media Liability $2,000,000 $2,000,000 Cyber Extortion $2,000,000 $2,000,000 $2,000,000 $2,000,000 Premium: $3240 SL Tax $97.20 Fees $6.48 Total $ Premium $3610 SL Tax $ Fees $7.22 Total $ Premium $4000 SL Tax $ Fees $8.00 Total $ Premium $4525 SL Tax $ Fees $9.05 Total $

10 Companies with revenues $9,000,001 - $10m Limit of Liability Aggregate $2,000,000 $2,000,000 Retention 2,500 2,500 2,500 2,500 Security & Privacy Liability $2,000,000 $2,000,000 Regulatory Defense & Penalties $2,000,000 $2,000,000 Website Media Liability $2,000,000 $2,000,000 Cyber Extortion $2,000,000 $2,000,000 $2,000,000 $2,000,000 Premium: $3325 SL Tax $99.75 Fees $6.65 Total $ Premium $3655 SL Tax $ Fees $7.31 Total $ Premium $4180 SL Tax $ Fees $8.36 Total $ Premium $4750 SL Tax $ Fees $9.50 Total $

11 Data Breach Program Explanation of Insuring Agreements Limit of Liability The Limit of Liability is the aggregate amount that will be paid by the carrier for defense and damages. This aggregate will include the following sublimits that are part of this limit; Information Security & Privacy Liability, Regulatory Defense and Penalties, Website Media Content Liability, Business Interruption, Cyber Extortion, PCI Fines and Costs. This limit is the amount of records that the carrier will provide for notification, call center services and credit monitoring. This limit is separate from and in addition to the policy limit of liability aggregate. The Legal & Forensics, Crisis Management and the Foreign Notification costs are aggregate limits separate from the. The record count has a threshold. This threshold only pertains to the call center services. If the breach affects over 100 records, this service is activated. All other sublimits have retentions to match policy retention. Information Security & Privacy Liability This is inuring agreement A. This will pay on behalf of the insured damages and claims expenses for; 1. Failure to protect private information 2. Transmission of a virus from your system to another 3. Failure to notify individuals of a breach 4. Failure to comply with a Privacy Policy Regulatory Defense & Penalties This will pay on behalf of the insured claims expenses and penalties assessed by regulatory agencies. PCI Fines & Penalties This will indemnify the insured for Payment Card Industry fines and costs. Website Media Content This will pay on behalf of the insured damages and claims expenses for allegations of copyright infringement and defamation arising from their website. Cyber Extortion This will indemnify the insured for loss paid as a result of an extortion threat to protect private information. Legal & Forensics This will provide the insured with a computer security expert to determine the extent and cause of a breach. It will then provide for an attorney to determine which notification laws the insured will need to comply. Public Relations This will pay for a Public Relations Consultant to help the insured introduce the breach to the public. Fraud Resolution This will provide services to the affected individuals in restoring their identity.

12 Explanation of Some Endorsements (frequently asked about) This will indemnify the insured for income loss during a 30 day period after the affected individuals receive their first notification of a breach. This will indemnify the insured for loss of money in a bank account caused by a third party sending fraudulent instructions to transfer from their account to another location. s This will indemnify the insured for loss of money they transfer or pay because a third party pretended to be one of their clients or employees and sent them a fraudulent instruction. Loss This will indemnify the insured for loss that results from a third party gaining access to their telephone system in an unauthorized manner. Fund This will indemnify the insured for an amount that is paid for information that leads to the arrest and conviction of an individual that committed an illegal act related to any coverage. BBR Boost New endorsement which allows insureds to tap into the full extent of the policy's aggregate limit of liability for breach response services costs while continuing to take advantage of BBR's innovative structure. How BBR Boost works BBR includes two separate towers of coverage which are outside the policy's aggregate limit of liability: Tower 1: Legal services, forensics, crisis management and public relations Tower 2: notification, call center, and credit and identity monitoring services With BBR Boost, if the limits of either tower 1 or 2 are exhausted in responding to a breach, policyholders may elect to cover additional breach response costs via the policy limit available in the third tower of coverage, third party liability. Available third party liability is a single limit of liability and will be eroded by both covered third party payments and "boost" payments. The limit available for "boost" payments will be limited by any prior erosion of the third party limits. With BBR Boost, policyholders will continue to have outside of limits coverage for responding to a breach but, in addition, they will also be able to use the policy's entire aggregate limit of liability to cover the costs of responding to a breach. Arlington/Roe & Co., Inc. has created this document as an aid to assist the producer s overall understanding of the proposals and/or coverages to be afforded under the compared policies. The insurance company contract as ultimately issued controls over (and to the exclusion of) this document. This document does not amend, extend, or alter the coverage afforded by the policy as issued. Also, the insurance contract's provisions may be affected by endorsements, statutes or regulations and the policy may contain limits, exclusions or conditions not addressed in this document. While every reasonable effort has been made to make the information in this document accurate, Arlington/Roe disclaims any and all liability for it.

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