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CyberCare

Cyberattacks and data breach protection


Parameter Explanations

Parameter Type Description
product String The product slug: “cybercareau”
aggregate_limit String The identifier for the limit amount selected
business_type String The identifier of the selected business type, from the list provided in the product info response
revenue_value Integer The revenue for last year, in dollars
region String The state the business is based in
insured_website_url String The URL for the website of the business being insured. If there is no website, “N/A” is an acceptable string.
claims String You must answer “Yes” if the insured as had a claim in the last five years. You can use the factors to populate a select, but the values are likely to just be ‘yes’ or ‘no’.
claims_info String If the answer to claims is yes, some details must be provided about the claim/s in free text
duty_of_disclosure_confirmation String The question must be answered based on the list in the “Have you or any director/partner/manager of the business ever:” field. You can use the factors to populate a select, but the values are likely to just be ‘yes’ or ‘no’.
duty_of_disclosure_confirmation_info String If the answer to duty_of_disclosure_confirmation is yes, some details must be provided about why the insured could not answer no to all.
bank_change_auth_procedure String “Regarding written requests to change bank details, does the Insured have a written policy/procedure in place requiring authentication by callback using a telephone number held on file for the individual or entity requesting the change?”. You can use the factors to populate a select, but the values are likely to just be ‘yes’ or ‘no’. Answering no will remove Cyber Deception Cover (Insuring Clause 1.6).
policy_start_date String Optional, see Products page for more info
policy_end_date String Optional, same format as start date. The shortest length for a policy is 8 months, the longest is 18 months. Leave blank to for the default duration of 12 months.
name_of_insured String The name of the business being covered
name String The name of the person responsible for the policy
email String The email address of the person responsible for the policy
statement_of_facts_understood Boolean Confirmation from the insured that they have read and understood the Statement of Facts (provided as part of the product info response)
protected_end_points_count Integer This option is available only to specific partners. The number of end points to be covered by Cyber Indemnity Solutions. Between 0 and 40. 0 means no protection required. Above 40 requires referral. Leave blank for zero.

Parameters that trigger Underwriter Authorisation

Some selections will create the quote record, but will not return pricing and will not allow the quote to be bound. This is because certain selections lie outside of the normal bounds of an online quote. An underwriter will need to authorise the quote in Powered By Agile before it can be further modified or bound. The parameter selections that will trigger the authorisation requirement are:

Revenue values in excess of $10,000,000

Revenue values in excess of $10,000,000 will be valid, but the quote will not be available for binding until the underwriter has authorised the quote to proceed with this revenue.

Aggregate Limit of “More than…”

The underwriter will need to liase with the partner/insured to find out what the preferred aggregate limit would be, so when one of these options is selected, the quote will not be available for binding until the underwriter has set the limit.

Certain business_type selections

When a call is made to the product info endpoint (/v1/products/), the response will also include a list of excluded_business_types. Any of these business types can still be used in the business_type field, but the quote will not be available for binding until the underwriter has authorised use of this business type.

Entering N/A for the insured website URL

The underwriter will review all quotes where the business does not have a website.

Answering “Yes” (yes) to claims

This triggers a referral so the underwriter can review the claims history.

Answering “Yes to one or more” (yes) to duty_of_disclosure_confirmation

This triggers a referral so the underwriter can review the details as to why the insured could not answer yes.

Minimum Parameters to get a quote

{
  "product": "cybercareau",
  "business_type": "payroll_services_provider",
  "aggregate_limit": "aggregate_limit_1",
  "revenue_value": 1250000,
  "region": "VIC",
  "insured_website_url": "https://example.com",
  "claims": "no",
  "duty_of_disclosure_confirmation": "yes",
  "bank_change_auth_procedure": "yes",
}

All Parameters

{
  "product": "cybercareau",
  "business_type": "payroll_services_provider",
  "aggregate_limit": "aggregate_limit_1",
  "revenue_value": 1250000,
  "region": "VIC",
  "name_of_insured": "My Business Pty Ltd",
  "name": "Mary Smith",
  "email": "marysmith@example.com",
  "statement_of_facts_understood": true,
  "insured_website_url": "https://example.com",
  "claims": "yes",
  "claims_info": "Provide details about any claims",
  "duty_of_disclosure_confirmation": "no",
  "duty_of_disclosure_confirmation_info": "Details about why the answer could not be yes to all",
  "bank_change_auth_procedure": "yes",
}