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n'r+ <br /> HISCQXC-Suite Crime Coverage Part <br /> Loss Discovered Policy <br /> local law. <br /> Identity fraud expense means: <br /> 1. advertising and public relations expenses incurred by you to restore your business <br /> reputation as a result of an identity fraud; <br /> 2. costs incurred by you or any executive employee to notarize affidavits or similar documents <br /> attesting to fraud, as required by financial institutions or similar credit grantors or credit <br /> agencies; <br /> 3. costs incurred by you or any executive employee for certified mail to law enforcement <br /> agencies, credit agencies,financial institutions, or similar credit grantors; <br /> 4. costs incurred by you or any executive employee to obtain credit reports; <br /> 5. costs to provide one year of credit monitoring services to monitor, restore, and/or protect <br /> your or any executive employee's credit; <br /> 6. lost income incurred by you or any executive employee resulting from any time taken off <br /> work to complete fraud affidavits or meet with or talk to law enforcement agencies, credit <br /> agencies, and/or legal counsel, up to a maximum of$250 per day. The most we will pay for <br /> lost income under this part 6 will be$10,000 or the applicable limit of liability,whichever is <br /> less; <br /> 7. loan application fees incurred by you or any executive employee to reapply for a loan when <br /> the original application is rejected solely because the lender received incorrect credit <br /> information; <br /> 8. reasonable attorneys'fees to: <br /> a. defend lawsuits brought against you or any executive employee by merchants, <br /> vendors, suppliers,financial institutions, or their collection agencies; <br /> b. remove any criminal or civil judgments wrongly entered against you or any executive <br /> employee; or <br /> C. challenge the accuracy or completeness of any information in a consumer credit report <br /> for you or any executive employee; <br /> 9. charges incurred by you or any executive employee for long distance telephone calls to <br /> merchants,vendors, suppliers, customers, law enforcement agencies,financial institutions, or <br /> similar credit grantors or credit agencies to report or discuss an actual identity fraud; and <br /> 10. any other reasonable expense incurred by you or any covered individual with our prior <br /> written consent. <br /> Manager means a natural person serving in a directorial capacity for a limited liability company. <br /> Member means an owner of a limited liability company represented by its membership interest, who, if a <br /> natural person, may also serve as a manager. <br /> Messenger means you, your relative, any of your partners or members, or any employee while having care <br /> and custody of property covered by this Coverage Part outside the premises. <br /> Money means: <br /> 1. currency, including Bitcoin or any other digital currency, crypto currency, or electronic <br /> currency, coins,or bank notes in current use anywhere in the world and having a face value; <br /> 2. bullion; <br /> 3. traveler's checks and money orders held for sale to the public; or <br /> 4. funds on deposit at a financial institution. <br /> Occurrence means: <br /> 1. under Insuring agreements,A. Fidelity and D.B. Licensing Violation: <br /> Includes copyrighted material of <br /> Insurance Services Offices, Inc.,with its permission <br /> CSUCRI P0001A CW(12/22) Page 14 of 18 <br />