Conditions Of Use Disclaimer

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Ernest Wade
5 years ago
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1 Conditions Of Use Conditions Of Use Disclaimer By using this material, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this material. The materials in this presentation are provided "as is and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, HSB disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. HSB does not warrant that the materials will be error-free, or are free of viruses or other harmful components. HSB does not warrant or make any representations regarding the use or the results of the use of the materials in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided d solely l for general informational purposes.

2 Conditions Of Use Limitation Of Liability Restrictions On Use Of Material While HSB uses reasonable efforts to include accurate and up-to-date information errors or omissions sometimes occur. HSB makes no warranties or representations as to the accuracy of the content of this material. Under no circumstances, including, but not limited to, negligence, shall HSB or any party involved in creating, producing, or delivering this material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials, even if HSB or an HSB authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall HSB s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for utilizing this material. This material is owned by HSB. Except as otherwise expressly permitted by HSB, no materials from this presentation owned, operated, licensed or controlled by HSB may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may not distribute, modify, transmit, reuse, repost, or use the content of this presentation for public or commercial purposes, including the text, images, audio, and video without HSB s written permission. HSB neither warrants nor represents that your use of materials displayed in this material will not infringe rights of third parties not owned by or affiliated with HSB. HSB also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing of this material.

3 Conditions Of Use Jurisdictional Issues - Products and Services Unless otherwise expressly set forth herein, HSB makes no representation that these materials are appropriate or available for use in any location. Those who choose to access this material do so on their own initiative and are responsible for compliance with local laws. Except as specifically set forth herein the information contained in this material are not an offer to sell or a solicitation to buy any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available ilbl in all lljurisdictions iditi Trademarks and Copyrights All trademarks, services marks, trade names, logos and icons are proprietary to HSB. Nothing contained in this material should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed in this material without the written permission of HSB or such third party that may own the trademarks displayed in this material. Your use of the trademarks displayed in this material, or any other content in this presentation, except as provided herein, is strictly prohibited. Images displayed in this material are either the property of, or used with the permission of the owner by, HSB. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

4 DATA SECURITY PRODUCTS

5 Cyber Exposures Affect All Businesses Data Breaches Breach notification law compliance Fines and penalties Breach response costs Legal action brought against the business by affected individuals of a breach Cyber Attacks Damage to computer systems and data due to unauthorized access, hacking, malware, denial of service attacks Legal action brought against the business due to lack of system security

6 Coverage Gaps No cyber related coverage in BOP or package forms Property damage or personal injury excluded from GL Crime coverage not for data breach or cyber attack

7 Nationwide s Coverage Solution Data Compromise Coverage including Identity Recovery Responds to breach, theft or unauthorized disclosure of Personally Identifying Information First Party coverage for breach response expenses, including notification costs and requirements and services for affected individuals Third Party coverage for defense and liability costs due to legal actions brought against an member due to a covered data breach CyberOne Coverage Responds to events that damage or degrade data and systems. First Party coverage for unauthorized access, malware attack, or denial of service attack Third Party coverage for breach of third party business information, unintended transmission of malware, or denial of service attack Limit options of $50,000 or $100,000 Limit it options of $50, up to $1M, and includes $25,000 Identity Recovery

8 Selecting Coverages Quote Screen Example Easy to add Affordable and meaningful coverage Market frequently auto- adds or auto-quotes cyber coverages Cyber coverage becoming must-have vs. nice-to-have Note: Identity Recovery is automatically preselected when Data Compromise is selected

9 Data Security Resources For Members 1. Data Security Help Line Identity Recovery questions and claim intake Data Breach/Cyber Attack questions and claim intake erisk Hub Risk Management Website Portal Online training Risk Management Tools What if calculators Downloadable templates

10 Marketing/Sales Resources 1. Data Security Products Website Private website access for agents, sales reps, and underwriters On-demand training materials, Risk management resources Sales and marketing resources

11 Value For Clients Affordable premiums Meaningful coverage Identity Recovery and Data Breach Helpline Web-based risk management tool

12 Value For Agents Differentiation provide unique coverage New business hook fill coverage gaps in existing policy New revenue source account round renewals Easy to add no separate application E&OProtection offer to all clients

13 DATA SECURITY PRODUCTS

2014 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

2014 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved. 1 2 3 This presentation module will give you some ideas for how to understand and communicate the value of our data security coverages to prospective members. 4 As you all know, when we use the term cyber