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Specialty Solutions Technology Insurance

OVERVIEW

1. What does Intact Insurance Company’s Technology Insurance entail?

Comprehensive coverage for technology risks and specialized insurance solutions such as professional liability and Cyber liability for software and IT service providers, manufacturers of electronics, and the telecommunications industry.

2. What coverages are available for technology companies?

We offer the following as a package solution or on a standalone basis:• Technology E&O with fi rst and third-party Cyber liability • Commercial General Liability (CGL) • Umbrella• Property

3. What are the benefi ts of Intact Insurance’s technology solutions?

SimplicityOne-stop shopping for the broker

SpecializationBrokers that specialize in technology can now work with Intact Insurance’s specialists

Holistic viewEase of integrating coverage and preventing gaps and overlap, especially between CGL and Technology E&O

4. What protection does our Technology E&O solution offer?

Our new Technology E&O product, called Information Technology Solutions (ITS), is a broad and specialized policy that combines the following coverage:

Errors and Omissions Liability Coverage (E&O)

For fi nancial or consequential damage caused if the products or services of the business do not work correctly or fails to work altogether.

Information Risk Liability Coverage

For corporate and personal confi dential and proprietary information of others in the care, custody and control of the business. Also provides protection for acts of a rogue employee without corporate offi cer knowledge.

Communication Liability Coverage

For infringement, copyright infringement and misappropriation of name or likeness, including access and content activities.

BrokerFAQ

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Privacy Administrative Proceeding, Fines, and Consumer Redress Liability Coverage

For defence expenses and privacy administrative or regulatory fines and consumer redress liability associated with the breach of a privacy regulation.

First-Party Insuring Agreements (Cyber)

For breach consulting services, incident management expenses, hardware replacement expenses, and extor-tion payments and rewards.

5. What protection does the Cyber coverage include within the Information Technology Solutions policy offer?

Both first-party expense coverage and third-party liability are provided with the new Information Technology Solution (ITS) policy, including:

First-Party Insuring Agreements

Breach consulting services, incident management expenses, information restoration expense, hardware replacement expense, and extortion payments and rewards.

Liability Insuring Agreements (third-party liability)

Information risk liability for damages arising out of information loss or network security incident, and privacy administrative proceeding, fines and consumer redress liability.

6. Can the Cyber coverage be purchased on a standalone basis?

Cyber coverage is not available for purchase on a standalone basis, as it must be combined with the Technology E&O within the new ITS policy.

7. Which customers can benefit from the new Information Technology Solutions (ITS) policy?

Technology companies face exponential exposure to cybersecurity and communication liability risks that can cause harm to a third party or to the company itself. With ITS, your customers who are providers of technology services or products can benefit from the broad and specialized coverage to minimize their risks and liability, and protect their bottom line.

APPETITE & WORKFLOW PROCESS

8. What is Intact Insurance’s appetite for technology companies?

• Computer programming services• Computer support, rental, maintenance, repair• Software developers• Electronics manufacturers• Computer facilities management services• Information retrieval services• Telecommunications• Robotics companies• Internet service providers (co-location services)

9. Is each coverage only available as part of a package?

No, the Specialty Solutions Technology Unit will consider both package and standalone requests for ITS, Commercial General Liability, Umbrella and Property.

10. How do I submit new business?

Submit all technology new business to the Intact Insurance Specialty Solutions Technology Unit via technology.ss@intact.net. These submissions will be handled by Intact Insurance’s local technology underwriting team.

11. What happens to renewals?

If your technology customer currently has a Property, Liability or Umbrella policy in Commercial Lines, continue to work with your CL underwriter or underwriting team. If you wish to get a Technology E&O quote, you can send a submission request to your Commercial Lines underwriter who will connect you with the Specialty Solutions Technology Unit.

• Prepackaged software (value-added resellers)• Website design firms• Data processing• Web hosting • Application service provider• System integrators• Instruments and measuring devices• Systems consulting

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CLAIMS

12. What happens in the event of a claim?

Customers should call the 24/7 Intact Insurance claims department at 1 866 464 2424. Technology claims will be handled by our specialized Technology claims team. In the event of a privacy breach or cyber event, the adjuster will assess and if needed, connect the customer with a lawyer or privacy breach consultant who will identify the best way to handle the breach.

13. Which coverage is provided in the event of a cyber claim?

The following expenses are available under the cyber coverage, Information Risk Liability within the Information Technology Solutions (ITS) policy:

Breach consultation services

Time-saving professional service to guide you in handling a breach.

Legal services Assistance in access to legal experts experienced in breach notification and regulatory compliance.

Public relations services

Assistance in mitigating any material damage to the businesses reputation.

Forensic services To help determine if a privacy breach has occurred, the origin and to assess the severity of the breach.

Notification services Help in preparing and sending notification letters that comply with regulatory requirements.

Credit monitoring services

Assistance placing fraud alerts on individual credit files with the major credit bureaus, to alert potential creditors and to notify individuals before extending credit in their names. Also provides proactive monitoring services which may include providing a credit report, credit monitoring, and monitoring of fraud in public records for those whose personal information was disclosed or lost.

Certain conditions, limitations and exclusions apply. This material is provided for information purposes only, the insurance contracts prevail at all times. Coverages and availability vary by product and by province. Please consult the insurance contracts for complete descriptions of coverage and exclusions. ®Intact Insurance Design is a registered trademark of Intact Financial Corporation, used under license. © 2017 Intact Insurance Company. All rights reserved.