| The cyber crimes are on the rise worldwide and so are the virus targeted to destroy the Networks of organisation and Personal computers and since these are risks that could affect business and properties protection of such losses or damages require coverage. Available to protect these losses and damages we at Oman Insurance Company offer th e E-Risks Insurance. E-Risks Insurance provides coverage against damages to your equipment and other various subsequent losses resulting from use of your Computers, Business interruption and your legal liability to others. This is a comprehensive Insurance and a must buy for those whose business are computer dependant. The E-Risks Insurance covers the following - Loss of your computer records and systems, through a hacker, virus (e.g. remote threat) and/or employee fraud
- Use of your computer systems to achieve theft from you (e.g. through a hacker, virus, employee fraud, etc)
- Illegal threats or extortion relating to your computer system or website (losses arising due to being held to ransom in a way connected to e-activities, sometimes known as cyber-extortion, including hacking attacks)
- Legal fees incurred in the enforcement of your e-related intellectual property rights against others’ website content
- Interruption to your business (reinstatement of your profit, loss due to being unable to trade either on the internet, or due to you being unable to use your computer systems due to a hacker, virus, employee fraud, loss of power or telecommunications supply)
- Payment of charge-backs to the bank (sums that your bank shall request as reimbursement from you due to your customers’ payment for your goods or services subsequently being refuted and you not having signature-on-file)
- Claims made by your employees arising out of your e-activities (e.g. for an appropriate work-place, such as sexual harassment charges from an employee due to disturbing e-mail content or for breaches of the Data Protection Acts)
- Brand protection (public relations consultancy to avoid or mitigate any damage to your brand due to any of the above purchased covers)
Claims made against you by a third party E-risks Insurance pays your defense costs, the claimants’ costs and your legal liability to third party for any claim for: - Your professional negligence in conducting your normal e-business activities
- Libel and slander
- Breach of intellectual property rights
- Breach of confidentiality or rights of privacy (e.g. breach of Data Protection Acts)
- Damage to third parties' computer systems (e.g. through a virus, hacker, computer error or fraud)
- Loss of third parties' computer records (e.g. through a virus, hacker, computer error or fraud)
- Third parties' financial losses arising from dishonesty of your employees or third parties' (e.g. credit card numbers misappropriated, hacked or stolen in any other way)
- Third parties' reliance on your computer system (consequential loss through not being able to access your computer system for any reason)
- The failure to deliver goods or services (consequential loss through failing to deliver your good/services for any reason)
- Arising out of your e-activities (broadly defined as transacting, disseminating or enabling the marketing, buying, selling or distribution of goods, services or information through electronic networks)
For detailed information, please call toll free 800 4746 or email call_center@tameen.ae | 
