The
Need

Many organisations believe that their firewalls and anti-virus programs provide them with sufficient protection against cyber risks such as viruses and hacking. The shocking reality is very different: every day more than one million people and organisations fall victim to cyber attacks.

Almost every company has some kind of network, database or online presence that puts it at risk. The complexity of the on-line environment makes it impossible for most businesses to address these risks, or even appreciate how serious the threat is.

The effect of a cyber attack could be devastating to almost any business: network downtime, loss of important data and loss of credibility when customer information is compromised (not to mention the litigation that would follow if the hacker were to use that information to plunder the customer’s bank account).

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The
Solution

Camargue’s Cyber Risks policy covers organisations against the risks arising out of operating a computer network. In addition to this,

• It covers liability arising from on-line publishing (such as a web site) as well as from traditional media (such as brochures);
• There is an option which provides professional indemnity cover appropriate to companies which participate in developing software and other technology;
• It not only covers the Insured’s liabilities to others, it also provides a form of specialised business interruption cover which covers the Insured’s loss of income arising out of computer down-time

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The Cover

• Technology & miscellaneous Error & Omissions
• Multimedia liability
• Security & privacy liability
• Data recovery & loss of business income
• Privacy regulatory defence & penalties
• Crisis management costs, including customer notification, support and credit monitoring expenses
• Data extortion

Risk
Management Services

Camargue’s unique M³ approach to insurance is geared towards managing, mitigating and migrating critical business risks – an outcome achieved through the provision of value-added risk benefits to policyholders. Notwithstanding the coverage provided in terms of the policy, the additional risk management benefits further enhance the Camargue product offering and go beyond simple insurance. The overall result is a well-rounded and complete solution to the risks faced in a commercial environment.  

Risk Management Services included in the Policy cover:

• Private Arbitration Services    
  Offered through TOKISO Dispute Settlement – this service works towards fast, equitable resolution of disputes between the insured and their clients. As far as possible court proceedings are avoided saving time, money and more importantly reputation

• Crisis Communication  
  Skilled support in managing public relations crises and avoid online media disasters
  

• Legal Support
  Contract vetting and assessment

• Cyber Vulnerability Scan (CVS) - A vulnerability scan is an inspection of the potential weaknesses in the security of a computer network. The CVS only requires the details of your externally facing internet protocol (“IP”) addresses, in order to examine for known vulnerabilities. Therefore it sees only what an outside intruder would see (like your locks, alarm and motion detectors) and tests the perimeter security – with no work required by you. Download our CVS Brochure here.

• Telephonic Services
  Legal support on most commercial legal matters

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      CAMARGUE CYBER ATTACK PLUS (CCAP)

Camargue Cyber Attack Plus (CCAP) is a unique product born out of our extensive knowledge as one of the longest established markets writing cyber, property, energy and terrorism classes. CCAP is designed to deliver complete peace of mind with seamless cover.

This product provides affirmative primary coverage across the globe to a wide range of clients including - but not limited to:

• Energy
• Oil and Gas
• Critical Infrastructure
• Utilities
• Mining
• Distribution
• Logistics
• Manufacturing
• Transportation
• Heavy Industry

Limits available up to USD 200m (or rand equivalent). Combined limit that can be used as a base on which to build excess towers.

COVERAGE HIGHLIGHTS

• Physical damage
  Property damage as a result of a cyber attack
  Debris removal (your property)
  Bodily injury
• Business Interruption
• Incident response
• Mitigation
• Legal liability

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Risk Management Services included in the Policy cover: Pre, during and post breach

• Unlimited access to a free online portal including:  
  On-line compliance materials 
  Newsletters and instant alerts 
  How to handle a cyber event 
  Ongoing specialist support 
  Step-by-Step procedures to lower risk  
  
  
• FREE Cyber Attack response services  
  24/7 access to cyber response team through a single phone number including:
  IT specialists  
  Forensics  
  Lawyers   
  PR 
  Loss adjusters  
  Call centres

Important Documents:

Important Notice:

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