<span class='visible--desktop'>First-Party Cyber and Data Risks Insurance (FPC)</span> <span class='visible--tablet'>First-Party Cyber and Data Risks Insurance (FPC)</span> <span class='visible--mobile'>FIrst-Party Cyber and Data Risks Insurance (FPC)</span>

<span class='visible--desktop'><p><strong>This add-on protects your business from the risk of hacking, DDoS attacks or other internet crime.</strong></p> <p>Reimbursed/covered:<strong> </strong>for example costs for the <strong>restoration of your IT systems</strong>, the commissioning of professional <strong>computer forensics analysts</strong> or specialised <strong>lawyers</strong> (including criminal defence) as well as for <strong>crisis management &amp; PR</strong>. Additional costs for the quick elimination or avoidance of an interruption to your business are also insured.</p> <h5>Further Examples of Damages We Insure</h5> <ul class="liste"> <li>Damage to your own IT systems (from hacking)</li> <li>First-party data rights claim (in particular spying on personal data)</li> <li>Expenses for an (imminent) interruption of business (additional cost coverage)</li> <li>Breach of trust damage (intentional damage to own IT by employees)</li> <li>Costs for criminal defence (internet criminal legal protection)</li> </ul> <h5>Insurer Services</h5> <p>The special benefit about this add-on is the assumption of your own <strong>costs</strong>, e.g. for the commissioning of:</p> <ul class="liste"> <li>Computer forensics specialists</li> <li>Specialised lawyers</li> <li>Consultants to provide information to data owners</li> <li>Professionals for PR &amp; crisis management</li> <li>Credit protection and monitoring services</li> </ul> <p>as well as the assumption of <strong>additional costs, e.g. for the use of third-party IT and computer systems.</strong></p> <p>For this add-on an <strong>deductible of &euro; 1,000 per damage event</strong> applies.</p> <p>For more details, see&nbsp;Section <strong>6.&nbsp;First-Party Cyber and Data Risks Insurance (FPC)</strong>, in the insurance policy terms and conditions.</p> </span> <span class='visible--tablet'><p><strong>This add-on protects your business from the risk of hacking, DDoS attacks or other internet crime.</strong></p> <p>Reimbursed/covered:<strong> </strong>for example costs for the <strong>restoration of your IT systems</strong>, the commissioning of professional <strong>computer forensics analysts</strong> or specialised <strong>lawyers</strong> (including criminal defence) as well as for <strong>crisis management &amp; PR</strong>. Additional costs for the quick elimination or avoidance of an interruption to your business are also insured.</p> <h5>Further Examples of Damages We Insure</h5> <ul class="liste"> <li>Damage to your own IT systems (from hacking)</li> <li>First-party data rights claim (in particular spying on personal data)</li> <li>Expenses for an (imminent) interruption of business (additional cost coverage)</li> <li>Breach of trust damage (intentional damage to own IT by employees)</li> <li>Costs for criminal defence (internet criminal legal protection)</li> </ul> <h5>Insurer Services</h5> <p>The special benefit about this add-on is the assumption of your own <strong>costs</strong>, e.g. for the commissioning of:</p> <ul class="liste"> <li>Computer forensics specialists</li> <li>Specialised lawyers</li> <li>Consultants to provide information to data owners</li> <li>Professionals for PR &amp; crisis management</li> <li>Credit protection and monitoring services</li> </ul> <p>as well as the assumption of <strong>additional costs, e.g. for the use of third-party IT and computer systems.</strong></p> <p>For this add-on an <strong>deductible of &euro; 1,000 per damage event</strong> applies.</p> <p>For more details, see&nbsp;Section <strong>6.&nbsp;First-Party Cyber and Data Risks Insurance (FPC)</strong>, in the insurance policy terms and conditions.</p> </span> <span class='visible--mobile'><p>Protection against hacking damage to your own IT systems, DDoS attacks, computer misuse, theft of data carriers and other data rights violations and the majority of the resulting expenses and costs.</p> </span> <div class="spaceTop-20"> <div>If you have any further questions, our customer service is happy to help.</div> <div id="rechnerKontaktForm" class="spaceTop-10"> <div class="col-grid col-grid--flush"> <div class="visible--mobile"> <div id="rkfPhone" class="service-item service-item--phone col col--10 text--center no-margin"> <a href="tel:+498218099460" class="rkfPhone--nr" data-eventpush="eventPush_phone_info"> +49 (0) 821 / 80 99 46 - 0 </a> </div> <div class="col col--2 no-margin no-padding position-relative"> <button type="button" class="close modal-info__close" data-dismiss="modal" aria-hidden="true"></button> </div> </div> <div class="hidden--mobile"> <div class="rechnerKontaktForm--no-mobile"> <div id="rkfCallback" class="service-item service-item--callback col col--tablet--4 no-margin"> <span data-eventpush="eventPush_callback_info"> Request call-back </span> </div> <div id="rkfMail" class="service-item service-item--mail col col--tablet--4 text--center no-margin"> <span data-eventpush="eventPush_mail_info"> Contact us </span> </div> <div id="rkfPhone" class="service-item service-item--phone col col--tablet--4 text--right no-margin"> <a href="tel:+498218099460" data-eventpush="eventPush_phone_info"> +49 (0) 821 / 80 99 46 - 0 </a> </div> </div> </div> </div> </div> <div class="hidden--mobile"> <div class="infoKontaktForm"></div> <div class="text--right cursor-pointer spaceTop-10"> <a data-dismiss="modal" aria-hidden="true">Close</a> </div> </div> </div>

 Add-on: AI-Related First-Party Losses (ARL)

<h5>What is covered?</h5> <p>The policy covers <strong>first-party losses</strong> incurred by you or your company <strong>as a result of malfunctions when using AI systems</strong>, such as</p> <ul class="list--checkmark"> <li>Incorrect, incomplete, or hallucinated results from AI tools</li> <li>Erroneous decisions or unintended processes by AI agents and applications</li> <li>Incorrect processing or interpretation of data by AI systems</li> </ul> <h5>What is reimbursed?</h5> <p>Your <strong>additional costs</strong> for remedying the damage are reimbursed, including, for example:</p> <ul class="list--checkmark"> <li>Analysis and correction of AI errors (e.g., root cause analysis, rollback, deactivation)</li> <li>Restoration, cleanup, or recreation of corrupted data</li> <li>Additional personnel costs (e.g., overtime or replacement staff)</li> <li>Manual post-processing and temporary solutions to maintain operations</li> <li>Costs for external service providers, consultants, or experts</li> </ul> <h5>Important Limitations</h5> <ul class="list--checkmark"> <li>No coverage for loss of revenue</li> <li>No coverage for further development or new AI functions</li> </ul> <p>The compensation limit is &euro; 50,000 per insured event and insurance year; the deductible is &euro; 1,000.</p> <p>For more details, see <strong>Section A.7, AI-Related First-Party Losses (ARL)</strong>, in the insurance policy terms and conditions.</p> <div class="spaceTop-20"> <div>If you have any further questions, our customer service is happy to help.</div> <div id="rechnerKontaktForm" class="spaceTop-10"> <div class="col-grid col-grid--flush"> <div class="visible--mobile"> <div id="rkfPhone" class="service-item service-item--phone col col--10 text--center no-margin"> <a href="tel:+498218099460" class="rkfPhone--nr" data-eventpush="eventPush_phone_info"> +49 (0) 821 / 80 99 46 - 0 </a> </div> <div class="col col--2 no-margin no-padding position-relative"> <button type="button" class="close modal-info__close" data-dismiss="modal" aria-hidden="true"></button> </div> </div> <div class="hidden--mobile"> <div class="rechnerKontaktForm--no-mobile"> <div id="rkfCallback" class="service-item service-item--callback col col--tablet--4 no-margin"> <span data-eventpush="eventPush_callback_info"> Request call-back </span> </div> <div id="rkfMail" class="service-item service-item--mail col col--tablet--4 text--center no-margin"> <span data-eventpush="eventPush_mail_info"> Contact us </span> </div> <div id="rkfPhone" class="service-item service-item--phone col col--tablet--4 text--right no-margin"> <a href="tel:+498218099460" data-eventpush="eventPush_phone_info"> +49 (0) 821 / 80 99 46 - 0 </a> </div> </div> </div> </div> </div> <div class="hidden--mobile"> <div class="infoKontaktForm"></div> <div class="text--right cursor-pointer spaceTop-10"> <a data-dismiss="modal" aria-hidden="true">Close</a> </div> </div> </div>

  Add-on: Engineering Activities (ENG)

<h5>What is covered?</h5> <p>These activities are insured under an open-ended occupational coverage policy, specifically:</p> <ul class="liste"> <li>Development of hardware and software in mechanical and plant engineering (including embedded software)</li> <li>Programming of control, automation, CNC, and PLC applications</li> <li>Design, technical drafting, and CAD/CAM services</li> <li>Prototyping, testing, simulations, and commissioning</li> <li>Robotics applications and engineering services, e.g., in the field of renewable energy or regulated environments (e.g., pharmaceutical, biotech)</li> </ul> <p>Certain types of <strong>property damage</strong> are also covered if they result directly from your engineering services.</p> <h5>Scope of the Additional Coverage Module</h5> <p>Coverage for clearly defined technical units, such as software modules, control logic, or interfaces that can be tested independently, including assistance with integration into an overall system.</p> <h5>Important Limitations</h5> <ul class="liste"> <li>No assumption of <strong>overall responsibility</strong> for complete systems</li> <li>No coverage for damage occurring <strong>during ongoing operation</strong> or <strong>after acceptance</strong></li> <li>No coverage for <strong>production downtime</strong></li> <li><strong>No liability </strong>for product characteristics <strong>during subsequent use</strong></li> </ul> <h5>Deductible</h5> <p>The deductible for financial loss and property damage is the same as the deductible selected for the financial loss insurance (FLI).</p> <p>For more details, see the insurance terms and conditions under Section<strong> A.8&nbsp;Engineering Activities (ENG).</strong></p> <div class="spaceTop-20"> <div>If you have any further questions, our customer service is happy to help.</div> <div id="rechnerKontaktForm" class="spaceTop-10"> <div class="col-grid col-grid--flush"> <div class="visible--mobile"> <div id="rkfPhone" class="service-item service-item--phone col col--10 text--center no-margin"> <a href="tel:+498218099460" class="rkfPhone--nr" data-eventpush="eventPush_phone_info"> +49 (0) 821 / 80 99 46 - 0 </a> </div> <div class="col col--2 no-margin no-padding position-relative"> <button type="button" class="close modal-info__close" data-dismiss="modal" aria-hidden="true"></button> </div> </div> <div class="hidden--mobile"> <div class="rechnerKontaktForm--no-mobile"> <div id="rkfCallback" class="service-item service-item--callback col col--tablet--4 no-margin"> <span data-eventpush="eventPush_callback_info"> Request call-back </span> </div> <div id="rkfMail" class="service-item service-item--mail col col--tablet--4 text--center no-margin"> <span data-eventpush="eventPush_mail_info"> Contact us </span> </div> <div id="rkfPhone" class="service-item service-item--phone col col--tablet--4 text--right no-margin"> <a href="tel:+498218099460" data-eventpush="eventPush_phone_info"> +49 (0) 821 / 80 99 46 - 0 </a> </div> </div> </div> </div> </div> <div class="hidden--mobile"> <div class="infoKontaktForm"></div> <div class="text--right cursor-pointer spaceTop-10"> <a data-dismiss="modal" aria-hidden="true">Close</a> </div> </div> </div>