1. Being there When you need us Thats our policy

2. Cyber Awareness – what can be done?

3. About Us Truly independent Insurance Brokers since 1920 We are proud to be one of the UK’s largest truly independent Insurance Brokers. We are also one of its oldest and most respected with a history dating back over 90 years of providing our clients with a service above and beyond what is expected.

4. Being there When you need us Thats our policy

5. Hiscox Cyber & Data risk

6. Background ICO: UK's independent body set up to uphold information rights Legislation: personal data in any format and responsibility to notify customers and regulator Value of data: business v criminal 6

7. 7 Breach incident types: Q4 2014 Source: https://ico.org.uk/action-weve-taken/data-breach-trends/

8. 8 Data risks Data breach inadvertently sending out extra information in letter leaving papers on a train dumping papers in a skip disposal of data/shredding faxing to wrong people theft of laptop from car Cyber Attack Hacking to extort Hacking to cause interruption Hacking to steal data or capital

9. ICO’s breach examples Thames View Estate Agents: bin bags Foxtons Estate Agents: hacks MoJ: Cabinets and hacking Jala Transport: Laptop 9

10. Coverage solutions 10 Data breach IT forensic support (investigate & repair) PR consultancy support (managing the message) Specialist legal advice (ICO investigations and 3 rd party claims) Notification costs (letters, call centre space) Ongoing support costs (credit monitoring) Financial Penalties (Fines, PCI charges) Cyber Attack Loss of income and reputational damage Extortion payments Stolen funds (direct or indirect) ‘Phreaking’ (premium rate calls)

11. THANK YOU