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CYBER RISKS
CYBER RISKS

DESCRIPTION

The digital transformation has enabled companies to reinvent business methods and processes.

This set of opportunities that inevitably brought new challenges.

Caravela Seguros walks alongside your business, with the best cybersecurity solutions, providing a set of features that work in prevention from day one.

With specialized monitoring, we guarantee assistance and vulnerability analysis, with the implementation of security measures.

Protect your reputation and the credibility of your business 24x7.

DESCRIPTION

The digital transformation has enabled companies to reinvent business methods and processes.

This set of opportunities that inevitably brought new challenges.

Caravela Seguros walks alongside your business, with the best cybersecurity solutions, providing a set of features that work in prevention from day one.

With specialized monitoring, we guarantee assistance and vulnerability analysis, with the implementation of security measures.

Protect your reputation and the credibility of your business 24x7.

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FLEXIBILITY

Flexible covers adapted to the size of your business.

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ASSISTANCE

Specialized assistance through qualified technicians.

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ACCESS

Detailed analysis with access to vulnerability diagnosis.

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FLEXIBILITY

Flexible covers adapted to the size of your business.

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ASSISTANCE

Specialized assistance through qualified technicians.

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ACCESS

Detailed analysis with access to vulnerability diagnosis.

PLANS AND COVERAGE

COVERAGE

Third-Party Data Liability

COVERAGE DETAIL

Payment of Indemnities that the Insured is legally obliged to pay for damages and losses caused to third parties or Employees for malicious or unauthorized use of the Insured's computer network with the intent to cause;

- Damage, alteration, corruption, distortion, copying, error, theft, misuse or destruction of third party digital assets;

- "PHISHING", "PHARMING", or any misleading communication to obtain confidential information or data from a third party;

-Transmission of malicious code.

CAPITAL LIMITS

100% of the Insured Capital

COVERAGE

Legal Defense and Legal Security

COVERAGE DETAIL

Including the costs of legal defence and judicial guarantees, assuming that the responsibility for damages caused to third parties due to malicious or unauthorized use of the Insured's computer network.

CAPITAL LIMITS

100% of the Insured Capital

COVERAGE

Coverage of Sanctions or Fines

COVERAGE DETAIL

Whenever permitted by the regulations in force, fines or penalties arising from complaints that consist of administrative proceedings are guaranteed.

CAPITAL LIMITS

100% of the Insured Capital

COVERAGE

Moral damages

COVERAGE DETAIL

Indemnities arising from claims based on Moral Damage allegedly as a result of malicious or unauthorized use of the Insured's computer network.

CAPITAL LIMITS

20 000,00€

COVERAGE

Cyber extortion

COVERAGE DETAIL

Payment, with the prior written consent of the Insurer, of the redemption required to end the threat of data breach or impediment of access to the computer network:

a) in a general attack on several entities;

b) in a specific attack on the Insured's network.

CAPITAL LIMITS

a) 5000,00€

b) 20000,00€

COVERAGE

Notification Expenses

COVERAGE DETAIL

Notification expenses in compliance with a legal obligation to notify third parties, as a result of unauthorized access or mere suspicion of access to personal data of third parties or Employees.

CAPITAL LIMITS

25% of the Insured Capital,
with a maximum of
25.000,00€

COVERAGE

Privacy Assistance Costs

COVERAGE DETAIL

Costs incurred by the Insured in providing bank data control and monitoring services and assistance in case of identity theft of any individual, third party or employee of the insured.

CAPITAL LIMITS

25% of the Insured Capital,
with a maximum of
25.000,00€

COVERAGE

Reputation Refund Expenses

COVERAGE DETAIL

Costs reasonably incurred by the Insured with a Public Relations specialist or specialized companies for crisis management in the media, to protect or restore the Insured's public image and reputation following malicious or unauthorized use of the Insured's computer network with damage to third parties.

CAPITAL LIMITS

25% of the Insured Capital,
with a maximum of
25.000,00€

COVERAGE

Computer Forensic Services

COVERAGE DETAIL

Reasonable and necessary expenses of IT experts to, in response to an incident of malicious or unauthorized use of the Insured's computer network, investigate the origin or cause of the security breach of the computer systems.

CAPITAL LIMITS

25% of the Insured Capital,
with a maximum of
25.000,00€

COVERAGE

Data and Software Restoration and Replacement Costs

COVERAGE DETAIL

Recover, restore or recreate damaged software. Acquire software replacement licenses whose physical protection system has been damaged, lost or destroyed. Recover data available from backup, electronic or other means, including source or documentation on which the data was based.

CAPITAL LIMITS

25% of the Insured Capital,
with a maximum of
25.000,00€

COVERAGE

Virus Disinfection and System Restore

COVERAGE DETAIL

Expenses for virus disinfection and restoration of the access system as a result of malicious or unauthorized use of the Insured's computer network.

CAPITAL LIMITS

€ 5,000.00 per claim

10.000,00€ por unidade no máximo de 25.000,00€

It does not exempt you from consulting the legally required pre-contractual information.

COVERAGE

COVERAGE DETAIL

LIMITE DE CAPITAL

Third-Party Data Liability

Payment of Indemnities that the Insured is legally obliged to pay for damages and losses caused to third parties or Employees for malicious or unauthorized use of the Insured's computer network with the intent to cause;

- Damage, alteration, corruption, distortion, copying, error, theft, misuse or destruction of third party digital assets;

- "PHISHING", "PHARMING", or any misleading communication to obtain confidential information or data from a third party;

-Transmission of malicious code.

100% of the Insured Capital

Legal Defense and Legal Security

Including the costs of legal defence and judicial guarantees, assuming that the responsibility for damages caused to third parties due to malicious or unauthorized use of the Insured's computer network.

100% of the Insured Capital

Coverage of Sanctions or Fines

Whenever permitted by the regulations in force, fines or penalties arising from complaints that consist of administrative proceedings are guaranteed.

100% of the Insured Capital

Moral damages

Indemnities arising from claims based on Moral Damage allegedly as a result of malicious or unauthorized use of the Insured's computer network.

20 000,00€

Cyber extortion

Payment, with the prior written consent of the Insurer, of the redemption required to end the threat of data breach or impediment of access to the computer network:

a) in a general attack on several entities;

b) in a specific attack on the Insured's network.

a) 5000,00€

b) 20000,00€

Notification Expenses

Notification expenses in compliance with a legal obligation to notify third parties, as a result of unauthorized access or mere suspicion of access to personal data of third parties or Employees.

25% of the Insured Capital,
with a maximum of
25.000,00€

Privacy Assistance Costs

Costs incurred by the Insured in providing bank data control and monitoring services and assistance in case of identity theft of any individual, third party or employee of the insured.

25% of the Insured Capital,
with a maximum of
25.000,00€

Reputation Refund Expenses

Costs reasonably incurred by the Insured with a Public Relations specialist or specialized companies for crisis management in the media, to protect or restore the Insured's public image and reputation following malicious or unauthorized use of the Insured's computer network with damage to third parties.

25% of the Insured Capital,
with a maximum of
25.000,00€

Computer Forensic Services

Reasonable and necessary expenses of IT experts to, in response to an incident of malicious or unauthorized use of the Insured's computer network, investigate the origin or cause of the security breach of the computer systems.

25% of the Insured Capital,
with a maximum of
25.000,00€

Data and Software Restoration and Replacement Costs

Recover, restore or recreate damaged software. Acquire software replacement licenses whose physical protection system has been damaged, lost or destroyed. Recover data available from backup, electronic or other means, including source or documentation on which the data was based.

25% of the Insured Capital,
with a maximum of
25.000,00€

Virus Disinfection and System Restore

Expenses for virus disinfection and restoration of the access system as a result of malicious or unauthorized use of the Insured's computer network.

€ 5,000.00 per claim

€ 10,000.00 per unit
with a maximum of
25.000,00€

It does not exempt you from consulting the legally required pre-contractual information.

COVERAGE

COVERAGE DETAIL

CAPITAL LIMITS

Third-Party Data Liability

Payment of Indemnities that the Insured is legally obliged to pay for damages and losses caused to third parties or Employees for malicious or unauthorized use of the Insured's computer network with the intent to cause;

- Damage, alteration, corruption, distortion, copying, error, theft, misuse or destruction of third party digital assets;

- "PHISHING", "PHARMING", or any misleading communication to obtain confidential information or data from a third party;

-Transmission of malicious code.

100% of the Insured Capital

Legal Defense and Legal Security

Including the costs of legal defence and judicial guarantees, assuming that the responsibility for damages caused to third parties due to malicious or unauthorized use of the Insured's computer network.

100% of the Insured Capital

Coverage of Sanctions or Fines

Whenever permitted by the regulations in force, fines or penalties arising from complaints that consist of administrative proceedings are guaranteed.

100% of the Insured Capital

Moral damages

Indemnities arising from claims based on Moral Damage allegedly as a result of malicious or unauthorized use of the Insured's computer network.

20 000,00€

Cyber extortion

Payment, with the prior written consent of the Insurer, of the redemption required to end the threat of data breach or impediment of access to the computer network:

a) in a general attack on several entities;

b) in a specific attack on the Insured's network.

a) 5000,00€

b) 20000,00€

Notification Expenses

Notification expenses in compliance with a legal obligation to notify third parties, as a result of unauthorized access or mere suspicion of access to personal data of third parties or Employees.

25% of the Insured Capital,
with a maximum of
25.000,00€

Privacy Assistance Costs

Costs incurred by the Insured in providing bank data control and monitoring services and assistance in case of identity theft of any individual, third party or employee of the insured.

25% of the Insured Capital,
with a maximum of
25.000,00€

Reputation Refund Expenses

Costs reasonably incurred by the Insured with a Public Relations specialist or specialized companies for crisis management in the media, to protect or restore the Insured's public image and reputation following malicious or unauthorized use of the Insured's computer network with damage to third parties.

25% of the Insured Capital,
with a maximum of
25.000,00€

Computer Forensic Services

Reasonable and necessary expenses of IT experts to, in response to an incident of malicious or unauthorized use of the Insured's computer network, investigate the origin or cause of the security breach of the computer systems.

25% of the Insured Capital,
with a maximum of
25.000,00€

Data and Software Restoration and Replacement Costs

Recover, restore or recreate damaged software. Acquire software replacement licenses whose physical protection system has been damaged, lost or destroyed. Recover data available from backup, electronic or other means, including source or documentation on which the data was based.

25% of the Insured Capital,
with a maximum of
25.000,00€

Virus Disinfection and System Restore

Expenses for virus disinfection and restoration of the access system as a result of malicious or unauthorized use of the Insured's computer network.

€ 5,000.00 per claim

€ 10,000.00 per unit
with a maximum of
25.000,00€

It does not exempt you from consulting the legally required pre-contractual information.

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Quer saber
mais?

Preencha o formulário e aceda a um diagnóstico para conhecer as vulnerabilidades da sua empresa.

EXAMINE YOUR SYSTEM NOW

Access a diagnosis to learn about the vulnerabilities.
Know the degree of exposure of your company to cyber risks.

32% of the data thefts detected were through phishing attacks.
Data Breach Investigation Report by Verizon 2019

Quer saber
mais?

Preencha o formulário e aceda a um diagnóstico para conhecer as vulnerabilidades da sua empresa.

EXAMINE YOUR SYSTEM NOW

Access a diagnosis to learn about the vulnerabilities.
Know the degree of exposure of your company to cyber risks.

32% of the data thefts detected were through phishing attacks.
Data Breach Investigation Report by Verizon 2019

USEFUL INFORMATION