A type of insurance designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network. Most notably, but not exclusively, cyber and privacy policies cover a business&#8217 liability for a data breach in which the firm&#8217s customers&#8217 personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm&#8217s electronic network. The policies cover a variety of expenses associated with data breaches, including notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft. In addition, the policies cover liability arising from website media content, as well as property exposures from (a) business interruption, (b) data loss/destruction, (c) computer fraud, (d) funds transfer loss, and (e) cyber extortion. Cyber and privacy insurance is often confused with technology errors and omissions (tech E&amp

Insurance that covers losses due to network security breaches, media liability—for example, advertising injury resulting from online activities, privacy liability, and errors and omissions in the performance of the insured’s services.

Scope of the Policy is to cover cyber liability exposures like Libel, Hacking, inadvertent virus transmission, copyright infringement, loss of identity. The policy coverage is on the lines of an errors and omissions policy to cover liabilities arising out of hacking email frauds, web developing, website maintenance and E-commerce.

A term used to describe the liability exposures encountered when communicating or conducting business online. Potential liabilities include the Internet and e-mail. Online communication tools could result in claims alleging breaches of privacy rights, infringement or misappropriation of intellectual property, employment discrimination, violations of obscenity laws, the spreading of computer viruses, and defamation. Media liability policies are available to cover these exposures.

The Policy covers loss or damage of pedal cycle rickshaw by accident, Fire, external explosion, malicious damage, theft etc. Policy also covers liability towards third parties for bodily injury and/or damage to the property.

A type of tropical atmospheric ‘disturbance’ characterized by masses of air rapidly circulating clockwise in the southern hemisphere, a low pressure center, usually accompanied by stormy, often destructive weather. Atmospheric system of low barometric pressure (depression ) accompanied by strong winds that rotate counter-clockwise in the northern hemisphere and clockwise in the southern hemisphere. Called ‘cyclone’ in the Indian ocean and southern Pacific, it is called ‘hurricane’ in the western Atlantic and eastern Pacific and ‘typhoon’ in the western Pacific.