Below are some real claims that Travelers has defended under their CyberFirst Technology E&O Liability policies:

Travelers is a leader in providing insurance to businesses in the technology sector. They have dedicated departments for underwriting business exposures, loss control, investigating and paying claims. Technology claim is staffed with claim attorneys and veteran insurance professionals with the skills and experience necessary to resolve the complex, high-exposure claims that arise in the technology sector. Travelers has strong litigation and litigation-management experience, as well as extensive knowledge of the legal and competitive environments in which our technology clients do business.    

Coverage Type	Claim Scenario	Cyber liability Coverage Response
Technology E&O Liability	You design a radio unit that is integrated into a wireless local loop telephone system. Contractors install a capacitor backwards into your radio unit as a result of an error in your schematics, causing failures to occur at a certain temperature. Between 12,000 and 14,000 units are installed by the time the problem is discovered. Your client asserts a claim seeking to recover damages resulting from the failures.	Cyber liability Technology E&O Liability protection provides coverage for economic loss that is caused by an “errors and omissions wrongful act,”which is broadly defined as “any error, omission or negligent act.”
Technology E&O Liability	You develop enterprise labor force software to integrate with a client’s HR and payroll systems. You fall behind in delivering the work, resulting in missed milestones and nonfunctioning project modules. You contend that the client repeatedly changed the size and scope of the project. Ultimately, the client fires you and files a lawsuit, seeking to recover lost profits due to the disruption.	Cyber liability Technology E&O Liability protection provides coverage for economic loss that is caused by an “errors and omissions wrongful act,” which is broadly defined as “any error, omission or negligent act.”
Network and Information Security Liability	Your employee’s company laptop is stolen from his home. The laptop contains private financial information of your customers. Your customers sue you for damages resulting from your failure to protect their private financial information.	Cyber liability Network and Information Security Liability protection’s definition of a “network and information security wrongful act” includes “failure to prevent unauthorized access to, or use of, electronic data containing private or confidential information of others.”
Network and Information Security Liability	Your employee inadvertently downloads a destructive computer virus that spreads to other files housed on your computer network. Your client downloads information from your website, allowing the virus to spread to the client’s computer system and resulting in widespread loss of data and a computer network shutdown. Your client sues you, contending you should have prevented transmission of the virus. The client seeks damages for the lost data and economic loss caused by the network shutdown.	Cyber liability Network and Information Security Liability protection’s definition of a “network and information security wrongful act” includes “failure to prevent the transmission of a computer virus.”
Communications and Media Liability	You overhaul your website for the online launch of your new product. Your website now contains a new marketing logo for the new product. After seeing your new website, another company files a trademark infringement suit against you, contending your new logo is similar to its own trademarked material. The lawsuit seeks damages, as well as an injunction to stop you from using the trademark.	Cyber liability Communications and Media Liability protection’s definition of a “communications and media wrongful act” includes “infringement of copyright, title, slogan, trademark, trade name, trade dress, service mark, or service name in your covered material.”
Communications and Media Liability	You place advertisements on your website and in your direct mailings to announce a new service offered by one of your important partners. The advertising contains material that your partner’s competitor claims it owns. The competitor sues you, contending you are liable for damages caused by unauthorized use of the advertising material.	Cyber liability Communications and Media Liability protection’s definition of a “communications and media wrongful act” includes “unauthorized use of any advertising material, or any slogan or title, of others in the advertising of the business, premises, products, services, work, or completed work of others.”