Civil liability as a consequence of:
- Breach of professional duty
- Breach of contract (including liquidated damages and breach of service level agreements)
- Libel or slander (including but not limited to torts relating to defamation, injury to reputation and emotional distress)
- Product disparagement or breach of comparative advertising regulations
- Negligent misstatement
- Unintentional breach of confidentiality
- Unintentional interference with privacy rights
- Unintentional infringement of intellectual property rights including cybersquatting (including but not limited to plagiarism and passing off, infringement of trademark or slogan, breach of license to use copyrighted material)
- Fidelity
- Loss of or damage to documents
- Transmission of a computer virus, denial of service, malicious cyber attack
The policies also extend to cover the insured’s:
- Public relations and crisis management costs
- Costs to withdraw content as a result of a complaint to any official regulatory or self-regulatory body
- Costs to mitigate a claim
- Subpoena defence costs
- Costs to defend an investigation brought under the Data Protection Act, payment for court attendance and representation costs
- Costs for prosecuting someone who has infringed your intellectual property