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Product Features

  • Universally Accepted

    Universally Accepted

    Insurance recognized by investors, external agencies and international companies. Meets contractual requirements that you may have

  • Comprehensive Cover

    Comprehensive Cover

    Covers liability or loss due to data breaches, payment gateway flaws or deliberate cyber and data fraud. The cover may be for first party or third party. First party covers losses that you incur such as damage control losses or audit costs. Third party refers to losses incurred by your customers or vendors. This includes data theft of your clients

  • Original Retroactive Date

    Original Retroactive Date

    Covers claims related to any event after the retroactive date. This is specified as the start date when the first Cyber Liability insurance was bought. Ensures that cases that come about several years after the incident also covered

  • Industry specific

    Industry specific

    The cover and risks vary considerable by industry. E-commerce firms where financial transactions take place are the most vulnerable. Sites requiring passwords or which store personal information are also particularly vulnerable to data theft. The insurance we buy for you factors in the right risk level

WHY CLAIMS GET REJECTED?

Prior Period Exclusion

Prior Period Exclusion

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal

Known Issues

Known Issues

Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the company became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first Public Liability cover

Poor Safety Protocols

Poor Safety Protocols

Insurers will reject a claim if the protocols they specified in the contract were not in place. This includes encryption, virus checks, original software, firewalls in some cases. We ensure that the technology teams go deep into these safety protocols and are confident of complying with them. In a few cases we will commission an independent technology audit before placing the insurance

Why Securenow

  • DEEP PRODUCT KNOWLEDGE

    We have specialized liability underwriters and tie-ups with international experts.

  • COST-EFFECTIVE INSURANCE

    We work with all insurers to get you the best options- both in terms of price and features.
     

  • QUICK TURNAROUND

    Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

  • STRONG CLAIM SUPPORT

    We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

  • VALUE ADDED SERVICES

    We will advice you on risk management best practices.

  • POLICY ADMINISTRATION SYSTEM (PAM)

    See all your contracts renewal information in one place. Place service requests on PAM.

Downloads

  • proposal form

  • Claim forms

  • Policy wordings

FAQs

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