1) First Party Expenses (actual costs to restore, re-collect or replace data, costs and expenses of specialists, investigators, forensic auditors or loss adjusters, costs and expenses for the use of rented, leased or hired external equipment, services, labour, premises or additional operating costs including staff overtime).

2) Loss of Business Income (net income which would have been earned had the breach not occurred)

3) Notification Expenses (expenses incurred to comply with privacy legislation such as legal expenses andcommunication expenses through mail, call centres, website and customer support expenses)

4) Crisis Management Expenses (services of a public relations consultant, related advertising or communication expenses)

5) Associated regulatory fines and penalties to extent insurable by law