LLOYD'S GROUP – THE FOUNDATION OF THE GLOBAL INSURANCE AND REINSURANCE MARKET

• “A+” rating from Standard & Poor’s
• Capital base of approx. GBP 50 billion
• Operating in over 200 countries worldwide
• General Representative: Hamilton Global Specialty

CYBER INSURANCE 

• All-risk coverage for cyber risks with minimal exclusions
• Experienced 24/7 Incident Response Team
• Capacity – EUR 3 million (higher upon referral)
• Simple placement after answering 22 questions
• Suitable for IT, healthcare, manufacturing (incl. automotive), construction, and finance
• Reduces personal liability of statutory representatives for cybersecurity "(NIS2)"

INSURANCE COVERAGE

• Incident Response – First incident handled without deductible (legal, forensics, communications)
• Business Interruption – without time-based deductible
• Ransomware and Extortion – Negotiation support, legal advice, ransom payments (including cryptocurrency) 
• Fines & Penalties – GDPR, PCI-DSS, legal defense, and statutory sanctions
• Bricking – Hardware and software replacement after an attack
• Data Breach – Third-party claims due to loss of sensitive data
• Reputation – PR support costs– PR support costs
• Cybercrime – Phishing, fraud, and credential misuse
• Regulatory Investigations – Coverage of costs under applicable local laws

WHAT IS NOT COVERED

• Losses caused by government orders or regulations (e.g. mandatory system shutdown)
• Physical damage (e.g. fire or flood)
• Losses from breach of license fees, warranties, or contractual obligations
• Incidents where the company was aware of the risk prior to policy inception
• Bodily injury

CLAIMS HANDLING

• 24/7 incident response team CMS
• Active in over 75 countries
• Experience handling 800+ claims