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c) firewalls must be in place to prevent unauthorised access on all connections from internal networks
and systems to external networks
d) remote users must be authenticated before being allowed to connect to internal networks
and systems

e) anti-virus software must be installed on all networks and systems to prevent against viruses, worms
and other malicious code.

Section 7 – Special Provision

1 Aggregate Limit
Our liability under this part in respect of Unauthorised Interference will not exceed £25,000 in the
aggregate in respect of one claim or series of claims consequent upon or attributable to one source or
original cause involving virus or similar mechanism.

Section 8 – Special Exclusions
This part does not cover:

1. Electronic Risks
a) damage to any computer or other equipment or component or system or item which processes,
stores, transmits, retrieves or receives data or any part thereof whether tangible or intangible
(including but without limitation any information or programs or software) and whether the
property is insured or not where such damage is caused by virus or similar mechanism, hacking
or denial of service attack

b) Additional Expenditure or loss of Revenue directly or indirectly caused by or arising from virus or
similar mechanism, hacking or denial of service attack

but this will not exclude:
i) Damage, Additional Expenditure and/or loss of Revenue which results from a defined peril
including the acts of thieves but excluding the acts of malicious persons which do not involve
physical force or violence otherwise covered under this part
ii) Additional Expenditure and/or loss of Revenue in consequence of Unauthorised Interference caused
by or arising from virus or similar mechanism, hacking or denial of service attack to the extent
to which Unauthorised Interference is insured by sections 3, 4 and 5

2. Northern Ireland Civil Commotion
damage or business interruption in Northern Ireland occasioned by or happening through or in
consequence directly or indirectly of civil commotion

3. Software Licences
replacement of software licence agreements unless otherwise agreed by us
4. Terrorism
loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
resulting from or arising out of or in connection with Terrorism.
In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
provided under this part the burden of proof that cover is provided under this part shall be with you

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