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[null,null,null,null,null,null,null,null,null,null,null,null,"Cyber Menu"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PRINT"]

{"sheet":"What is it","index":1,"n_rows":58,"n_cols":3,"rows_kept":58,"cut":false,"hidden":false,"merged":[]}
[]
[null,"What is"]
[null,"Cyber Coverage?"]
[]
[null,null,"Return to Menu"]
[null,"Data Compromise"]
[]
[null,"Data Compromise Coverage helps small and medium sized businesses respond to the financial burden and service obligations of a data breach. Businesses and institutions have a responsibility to safeguard the data of clients, employees and others. Small and mid-sized companies are vulnerable to data breaches by computer hackers, thieves and dishonest employees, but data can also be lost through accidental or inadvertent release. Many businesses lack the resources to respond to a data breach effectively."]
[]
[null,"Data Compromise coverage is designed to help small and mid-sized businesses investigate a data breach, notify individuals, and provide credit monitoring, case management and other services that help prevent identity theft and fraud following a breach of personal identifying information. It pays for the following types of expenses:"]
[]
["1.","Legal review of notification obligations;"]
["2.","Help to find who was affected by the breach and how to notify them;"]
["3.","Preparation of notification letters;"]
["4.","Toll free help line;"]
["5.","Credit monitoring for affected persons;"]
["6.","Identity restoration case management for identity theft victims."]
[]
[null,"In addition, an optional legal defense cost and liability coverage can be added as part of the program to protect businesses from lawsuits filed by consumers upset about a data breach when their private information is exposed."]
[]
[null,"For more information, visit:"]
[null,"https://www.munichre.com/HSB/data-breach-insurance/index.html"]
[]
[null,"Cyber One"]
[]
[null,"CyberOne™ coverage is a cyber risk insurance solution designed to help small businesses recover from damage to data and systems caused by a computer attack. This cyber threat protection also provides defense and liability coverage for third-party lawsuits alleging damage due to the insured inadequately securing its computer system."]
[]
[null,"What is a computer attack?"]
[null,"A computer attack, also known as a cyber attack – is defined as any of the following:"]
[]
["1.","An unauthorized person gaining access to the insured’s computer system;"]
["2.","A virus or other malware attack;"]
["3.","A denial of service attack."]
[]
[null,"What does cyber risk insurance cover?"]
[]
[null,"CyberOne™ coverage provides broad affordable cyber liability protection specially designed for small businesses to address the growing threat of information security exposures. This cyber liabilty insurance helps pay for the costs associated with computer restoration and data recovery. And, the coverage also protects against third party liabilities a business might have as a result of a failure of system security."]
[]
[null,"In the event of a computer attack, CyberOne™ pays for:"]
[]
["1.","Data Recovery from electronic sources"]
["2.","Data Recreation from nonelectronic sources"]
["3.","System Recovery (only if \"Full\" coverage is purchased)"]
["4.","Business Income (only if \"Full\" coverage is purchased)"]
["5.","Public Relations (only if \"Full\" coverage is purchased)"]
[]
[null,"Coverage for third party liability"]
[]
[null,"Third party coverage can be triggered by a “network security liability suit” — a civil proceeding, an alternative dispute resolution proceeding or a written demand for money alleging that a negligent failure of the insured’s computer security allowed one of the following to occur:"]
[]
["1.","A breach of third party business data"]
["2.","An unintended propagation of malware"]
["3.","A denial of service attack in which the insured unintentionally participated (only if \"Full\" coverage is purchased)"]
[]
[null,"In the event of a network security liability suit, CyberOne™ insurance covers costs of defense, settlement and judgment. Defense is provided within the coverage limits and third party coverage can be offered separately from the first party coverage."]
[]
[null,"For more information, visit:"]
[null,"https://www.munichre.com/HSB/cyber-insurance/index.html"]

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[]
[null,"Qualifications     "]
[]
[]
[null,"Not eligible"]
[null,"Financial Institutions, Adult business, Gambling or gaming, Credit Card or Financial Transaction posting, Hospitals, Credit reporting Agencies, Collection Agents, Information / Data brokerages, Municipalities, Schools, Colleges or Universities;",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Return to Menu"]
[null,"Risk with \"unknown occupancies\";"]
[null,"Risks without a supporting commercial policy."]
[]
[null,"Refer"]
[null,"Risks over $50,000 in premium or $10,000,000 in gross receipts."]
[]
[null,"Data Compromise Questions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S27=\"Yes\",\"$1,000,000\",IF(S23=\"Yes\",\"$250,000\",IF(S18=\"Yes\",\"$100,000\",\"$50,000\")))","v":"$50,000"}]
[null,"The following questions must be answered for data compromise where the limit applied for is $100,000 and over. The higher the limit requested, the more questions are required to be answered."]
[null,{"$f":"IF(Q18=\"No\",CONCATENATE(\"You qualify for a \",Q13,\" limit unless you answer the questions below.\"),CONCATENATE(\"You qualify for a \",Q13,\" limit, based on your answers.\"))","v":"You qualify for a $50,000 limit unless you answer the questions below."}]
[null,null,null,null,"YES",null,"NO",null,null,"YES","No",null,"Qualify Yes = 1",null,"Answered Yes = 1",null,"Answered section 1?",null,"Passed section 1"]
[null,"Has your organization suffered a breach of personal information in the last 12 months?",{"$f":"IF(M17+O17=1,\"Fail\",+L17)","v":"!"},null,null,null,null,null,null,false,false,{"$f":"IF(J17=K17,\"!\",\" \")","v":"!"},{"$f":"IF(K17=TRUE,IF(J17=TRUE,0,1),0)","v":0},null,{"$f":"IF(J17=TRUE,1,IF(K17=TRUE,1,0))","v":0}]
[null,"Is there a posted document retention / destruction policy in place?",{"$f":"IF(M18+O18=1,\"Fail\",+L18)","v":"!"},null,null,null,null,null,null,false,false,{"$f":"IF(J18=K18,\"!\",\" \")","v":"!"},{"$f":"IF(J18=TRUE,IF(K18=TRUE,0,1),0)","v":0},null,{"$f":"IF(J18=TRUE,1,IF(K18=TRUE,1,0))","v":0},null,{"$f":"IF(SUM(O17:O19)=3,\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(Q18=\"Yes\",IF(SUM(M17:M19)=3,\"Yes\",\"No\"),\"No\")","v":"No"}]
[null,"Do you conduct background screens for prospective employees?","!",null,null,null,null,null,null,false,false,"!",{"$f":"IF(J19=TRUE,IF(K19=TRUE,0,1),0)","v":0},null,0]
[]
[null,"Data Compromise questions, if limit requested is $250,000 or over",null,null,"YES",null,"NO",null,null,null,null,null,null,null,null,null,"Answered section 2?",null,"Passed section 2"]
[null,"Do you maintain regularly updated computer security measures, e.g. firewall, virus protection, secured wireless connectivity?",{"$f":"IF(M22+O22=1,\"Fail\",+L22)","v":"!"},null,null,null,null,null,null,false,false,{"$f":"IF(J22=K22,\"!\",\" \")","v":"!"},0,null,0]
[null,"Are your employee, customer and other physical records maintained in a secure environment with limited access?","!",null,null,null,null,null,null,false,false,{"$f":"IF(J23=K23,\"!\",\" \")","v":"!"},0,null,0,null,{"$f":"IF(SUM(O22:O23)=2,\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(S18=\"No\",\"No\",IF(Q23=\"Yes\",IF(SUM(M22:M23)=2,\"Yes\",\"No\"),\"No\"))","v":"No"}]
[]
[null,"Data Compromise questions, if limit requested is $500,000 or over",null,null,"YES",null,"NO",null,null,null,null,null,null,null,null,null,"Answered section 3?",null,"Passed section 3"]
[null,"Is access to personal information restricted by job description?",{"$f":"IF(M26+O26=1,\"Fail\",+L26)","v":"!"},null,null,null,null,null,null,false,false,{"$f":"IF(J26=K26,\"!\",\" \")","v":"!"},0,null,0]
[null,"Is their a Chief Information &/or Chief Security Officer (or equivalent)?","!",null,null,null,null,null,null,false,false,{"$f":"IF(J27=K27,\"!\",\" \")","v":"!"},0,null,0,null,{"$f":"IF(SUM(O26:O30)=5,\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(S23=\"No\",\"No\",IF(Q27=\"Yes\",IF(SUM(M26:M30)=5,\"Yes\",\"No\"),\"No\"))","v":"No"}]
[null,"Do you have a comprehensive information Security and Privacy Policy?","!",null,null,null,null,null,null,false,false,{"$f":"IF(J28=K28,\"!\",\" \")","v":"!"},0,null,0]
[null,"Are all users issued unique IDs and passwords when connecting to or accessing the internal network?","!",null,null,null,null,null,null,false,false,"!",0,null,0]
[null,"Do you provide regular security training/information to all people who have access to personally identifying information, whether in paper or electronic format?","!",null,null,null,null,null,null,false,false,"!",0,null,0]
[]
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[null,"Return to Menu"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"Coverage Details"]
[]
[null,null,"Data Compromise",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Return to Menu"]
[]
[null,null,"Coverage choice",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Limit",null,null,"Deductible"]
[null,{"$f":"IF(C6=Rates!B5,\"!\",\"\")","v":""},"Response Expense Coverage and Optional Defense and Liability",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!G4=0,\"\",IF(Coverage!R6=Rates!B18,\"!\",\"\"))","v":""},1000000,null,null,{"$f":"IF(Rates!G4=0,\"\",IF(Coverage!V6=Rates!B11,\"!\",\"\"))","v":""},10000]
[null,null,null,{"$f":"IF(Rates!G4=0,\"\",\"IT Forensics Sublimit\")","v":"IT Forensics Sublimit"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!G$4=0,\"\",IF(R$6=Rates!B$18,\"\",0.1*R$6))","v":100000}]
[null,null,null,{"$f":"IF(Rates!G4=0,\"\",\"Legal Sublimit\")","v":"Legal Sublimit"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!G$4=0,\"\",IF(R$6=Rates!B$18,\"\",0.1*R$6))","v":100000},null,null,"Premium"]
[null,null,null,{"$f":"IF(Rates!G4=0,\"\",\"Public Relations Sublimit\")","v":"Public Relations Sublimit"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!G$4=0,\"\",IF(R$6=Rates!B$18,\"\",0.1*R$6))","v":100000},null,null,null,{"$f":"+Rates!L30","v":0}]
[null,null,null,{"$f":"IF(Rates!N33=\"Yes\",CONCATENATE(\"You only qualify for a \",Qualifications!Q13,\" limit. Choose another limit.\"),IF(C6=Rates!B7,\"You have not chosen Defense and Liability coverage!\",IF(Rates!N32=\"Yes\",\"You have entered a Deductible or Limit but it is inconsistent with your chosen coverage.\",\"\")))","v":"You only qualify for a $50,000 limit. Choose another limit."}]
[]
[null,null,"CyberOne",null,null,null,null,null,"Choose First Party option (1.) and then Third Party option (2.)"]
[]
[null,null,"Coverage choice for First Party Computer Attack",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Limit",null,null,"Deductible"]
["1.",{"$f":"IF(Rates!M54=\"Yes\",\"!\",IF(C15=Rates!B38,\"!\",\"\"))","v":""},"Full First Party Coverage",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!M52=\"Yes\",\"!\",\"\")","v":""},100000,null,null,{"$f":"IF(Rates!M53=\"Yes\",\"!\",\"\")","v":""},5000]
[null,null,null,{"$f":"IF(Rates!F37=0,\"\",IF(Rates!$M55=\"Yes\",\"\",\"Data Restoration\"))","v":"Data Restoration"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!F$37=0,\"\",IF(Rates!$M55=\"Yes\",\"\",\"Included\"))","v":"Included"}]
[null,null,null,{"$f":"IF(Rates!F37=0,\"\",IF(Rates!$M55=\"Yes\",\"\",\"Systems Restorations\"))","v":"Systems Restorations"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!F$37=0,\"\",IF(Rates!$M55=\"Yes\",\"\",\"Included\"))","v":"Included"},null,null,"Premium"]
[null,null,null,{"$f":"IF(Rates!$M55=\"Yes\",\"\",IF(C$15=Rates!B$40,\"Data Recreation Coverage not wanted\",IF(C$15=Rates!B$41,\"Data Recreation Coverage\",\"\")))","v":"Data Recreation Coverage"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!$M55=\"Yes\",\"\",IF(Coverage!R$15=\"Choose …\",\"\",IF(C$15=Rates!B$41,Coverage!R$15*0.05,\"\")))","v":5000},null,null,null,{"$f":"+Rates!M46","v":319}]
[null,null,null,{"$f":"IF(Rates!$M55=\"Yes\",\"\",IF(C$15=Rates!B$40,\"Loss of Business Coverage Coverage not wanted\",IF(C$15=Rates!B$41,\"Loss of Business Coverage Coverage\",\"\")))","v":"Loss of Business Coverage Coverage"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!$M55=\"Yes\",\"\",IF(Coverage!R$15=\"Choose …\",\"\",IF(C$15=Rates!B$41,Coverage!R$15*0.2,\"\")))","v":20000}]
[null,null,null,{"$f":"IF(Rates!$M55=\"Yes\",\"\",IF(C$15=Rates!B$40,\"Public Relations Coverage Coverage not wanted\",IF(C$15=Rates!B$41,\"Public Relations Coverage Coverage\",\"\")))","v":"Public Relations Coverage Coverage"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Rates!$M55=\"Yes\",\"\",IF(Coverage!R$15=\"Choose …\",\"\",IF(C$15=Rates!B$41,Coverage!R$15*0.1,\"\")))","v":10000}]
[null,null,null,{"$f":"IF(Rates!P49=\"Yes\",\"ERROR - Check limits and Deductible options in dropdown\",IF(Rates!P50=\"Yes\",\"You have a limit or deductible amount, which is inconsistent with your coverage choice\",IF(Rates!P51=\"Yes\",\"ERROR - You must enter limit and/or Deductible amounts\",IF(Rates!M56=\"Yes\",\"ERROR - Both Options must be either Full or Limiited\",\"\"))))","v":""}]
[]
[null,null,"Coverage choice for Third Party Network Security Liability",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Limit",null,null,"Deductible"]
["2.",{"$f":"IF(Rates!Q56=\"Yes\",\"!\",IF(C24=Rates!B60,\"!\",\"\"))","v":""},"Full Third Party Coverage",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(C24=Rates!B60,\"n/a\",IF(C24=Rates!B61,\"n/a\",R15))","v":100000},null,null,null,{"$f":"IF(C24=Rates!B60,\"n/a\",IF(C24=Rates!B61,\"n/a\",V15))","v":5000}]
[null,null,null,{"$f":"IF(R$24=\"n/a\",\"\",\"Malware Transmission\")","v":"Malware Transmission"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D25=\"\",\"\",\"Included\")","v":"Included"}]
[null,null,null,{"$f":"IF(R24=\"n/a\",\"\",\"Denial of Service\")","v":"Denial of Service"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D26=\"\",\"\",\"Included\")","v":"Included"},null,null,{"$f":"IF(R24=\"n/a\",\"\",\"Premium\")","v":"Premium"}]
[null,null,null,{"$f":"IF(R24=\"n/a\",\"\",IF(Rates!F59=1,\"Third Party Business Information Coverage not wanted\",IF(Rates!F59=2,\"Third Party Business Information\",\"\")))","v":"Third Party Business Information"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D27=\"\",\"\",IF(Rates!F59=1,\"\",\"Included\"))","v":"Included"},null,null,null,{"$f":"IF(R24=\"n/a\",\"\",+Rates!M70)","v":215}]
[null,null,null,{"$f":"IF(Rates!M56=\"Yes\",\"ERROR - Both Options must be either Full or Limiited.\",IF(Rates!M57=\"Yes\",\"You can't have third party coverage without purchasing first party coverage\",\"\"))","v":""}]
[]
[]
[]
[]
["Return to Menu"]

{"sheet":"Application","index":4,"n_rows":39,"n_cols":29,"rows_kept":39,"cut":false,"hidden":false,"merged":[[8,3,8,21],[9,3,9,21],[10,3,10,21],[11,3,11,21],[16,18,16,19],[16,15,16,17],[16,20,16,22],[17,20,17,22],[28,1,28,7],[30,1,30,7],[31,1,31,7],[28,12,28,22],[30,12,30,22],[31,12,31,22],[17,18,17,19],[17,15,17,17],[20,15,20,17],[20,18,20,19],[20,20,20,22],[17,1,18,14],[0,13,2,17],[5,10,5,14],[6,5,6,12],[27,12,27,22],[3,5,3,22],[4,5,4,22],[20,1,20,14],[21,1,21,14],[25,20,25,22],[27,1,27,7],[21,15,21,17],[21,18,21,19],[21,20,21,22],[23,20,23,22],[24,20,24,22]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Cyber Application"]
[]
[]
[null,"Insured Name:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Return to Menu"]
[null,"Broker:"]
[null,"Attached to and form part of Policy #:"]
[null,"Effective Date:"]
[]
[null,null,null,"I understand the insurance company relies on the acuracy and honesty of my answers to properly rate and underwrite this policy."]
[null,null,null,{"$f":"CONCATENATE(\"I filled out the qualification form and based on my responses to the answers, qualified for up to \",Qualifications!Q13, \" of Data Compromise coverage.\")","v":"I filled out the qualification form and based on my responses to the answers, qualified for up to $50,000 of Data Compromise coverage."}]
[null,null,null,"The coverages have been explained to me in full and I have chosen the Options listed below and further described on the Coverage Details page."]
[null,null,null,"The consent and disclosure form signed by me for my commercial policy applies to this supplementary Cyber application. "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"COVERAGES APPLIED FOR - SUMMARY"]
[null,null,null,null,null,null,null,null,null,null,null,null,"(For full details of all coverages, refer to the Coverage Details Page)"]
[]
[null,"Data Compromise",null,null,null,null,null,null,null,null,null,null,null,null,null,"Limit",null,null,"Ded.",null,"Premium"]
[null,{"$f":"Coverage!C6","v":"Response Expense Coverage and Optional Defense and Liability"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Coverage!R6","v":1000000},null,null,{"$f":"+Coverage!V6","v":10000},null,{"$f":"+Rates!L30","v":0},null,null,null,null,null,null,null,{"$f":"+Rates!L30","v":0}]
[]
[null,"CyberOne"]
[null,{"$f":"CONCATENATE(\"Computer Attack - \",+Coverage!C15)","v":"Computer Attack - Full First Party Coverage"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Coverage!R15","v":100000},null,null,{"$f":"+Coverage!V15","v":5000},null,{"$f":"+Coverage!V18","v":319},null,null,null,null,null,null,null,{"$f":"+Rates!M46","v":319}]
[null,{"$f":"CONCATENATE(\"Network Security Liability - \",Coverage!C24)","v":"Network Security Liability - Full Third Party Coverage"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Coverage!R24","v":100000},null,null,{"$f":"+Coverage!V24","v":5000},null,{"$f":"+Coverage!V27","v":215},null,null,null,null,null,null,null,{"$f":"+Rates!M70","v":215}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL PREMIUM  ",{"$f":"SUM(AC18:AC22)","v":534}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax  ",{"$f":"0.08*U24","v":42.72}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL  ",{"$f":"+U25+U24","v":576.72}]
[]
[]
[null,"Date",null,null,null,null,null,null,null,null,null,null,"Applicant name and signature"]
[]
[]
[null,"Date",null,null,null,null,null,null,null,null,null,null,"Broker name and signature"]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"Return to Menu"]

{"sheet":"Rates","index":5,"n_rows":71,"n_cols":19,"rows_kept":71,"cut":false,"hidden":true,"merged":[[62,13,62,14],[63,13,63,14],[64,13,64,14],[59,9,59,10],[59,11,59,14],[60,9,60,10],[60,11,60,14],[61,13,61,14],[3,9,3,12],[35,9,35,10],[36,9,36,10],[40,13,40,14],[36,11,36,14],[35,11,35,14],[37,13,37,14],[38,13,38,14],[39,13,39,14]]}
[null,null,null,null,null,null,null,null,"Number of sections filled out:",null,null,null,{"$f":"IF(Qualifications!Q27=\"Yes\",3,IF(Qualifications!Q23=\"Yes\",2,IF(Qualifications!Q18=\"Yes\",1,0)))","v":0}]
[null,"Drop down menus",null,null,null,null,null,null,"Limit qualified for based on questionnaire:",null,null,null,{"$f":"IF(Qualifications!S27=\"Yes\",1000000,IF(Qualifications!S23=\"Yes\",250000,IF(Qualifications!S18=\"Yes\",100000,50000)))","v":50000}]
[null,null,null,null,null,null,"Chosen"]
[null,"Data Compromise Options",null,null,null,null,{"$f":"SUM(G7:G8)","v":2},null,null,"Deductible"]
[null,"Choose …",null,null,null,null,null,null,"Limit",{"$f":"+B12","v":1000},{"$f":"+B13","v":2500},{"$f":"+B14","v":5000},{"$f":"+B15","v":10000}]
[null,"Does not want Data Compromise Coverage",null,null,null,null,null,null,{"$f":"+B19","v":25000},1,0.995,0.98599999999999999,0.96699999999999997,null,{"$f":"IF(J$13=I6,IF(M$13=J$5,J6,IF(M$13=K$5,K6,IF(M$13=L$5,L6,M6))),0)","v":0}]
[null,"Response Expense Coverage only",null,null,null,null,{"$f":"IF(Coverage!C$6=Rates!B7,1,0)","v":0},null,{"$f":"+B20","v":50000},1,0.99199999999999999,0.97799999999999998,0.94899999999999995,null,{"$f":"IF(J$13=I7,IF(M$13=J$5,J7,IF(M$13=K$5,K7,IF(M$13=L$5,L7,M7))),0)","v":0}]
[null,"Response Expense Coverage and Optional Defense and Liability",null,null,null,null,{"$f":"IF(Coverage!C$6=Rates!B8,2,0)","v":2},null,100000,1,0.99,0.97499999999999998,0.94299999999999995,null,0]
[null,null,null,null,null,null,null,null,250000,1,0.99199999999999999,0.98,0.95399999999999996,null,0]
[null,"Data Compromise Deductible Options",null,null,null,null,null,null,500000,1,0.99299999999999999,0.98199999999999998,0.96,null,0]
[null,"Choose …",null,null,null,null,null,null,1000000,1,0.99299999999999999,0.98199999999999998,0.96,null,0.96]
[null,1000,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M13=\"Choose …\",0,SUM(O6:O11))","v":0.96},"Factor"]
[null,2500,null,null,null,null,null,null,"Limit",{"$f":"IF(G4=0,0,+Coverage!R6)","v":1000000},null,"Ded.",{"$f":"IF(G4=0,0,+Coverage!V6)","v":10000}]
[null,5000,null,null,null,null,null,null,"Chosen",null,null,"Chosen"]
[null,10000]
[]
[null,"Data Compromise Limit",null,null,null,null,null,null,"Response Coverage only?",null,null,{"$f":"IF(B7=Coverage!C6,\"Yes\",\"No\")","v":"No"}]
[null,"Choose …"]
[null,25000,null,null,null,null,null,null,"Limit","Yes","No","Chosen","Factor",null,"Chosen"]
[null,50000,null,null,null,null,null,null,{"$f":"+I6","v":25000},56,79,{"$f":"IF(J13=I20,IF(L17=\"Yes\",J20,K20),0)","v":0},0.68799999999999994]
[null,100000,null,null,null,null,null,null,{"$f":"+I7","v":50000},82,114,{"$f":"IF(J13=\"Choose …\",0,IF(J13>I20,IF(L17=\"Yes\",J21,K21),0))","v":114},1]
[null,250000,null,null,null,null,null,null,100000,null,null,null,1.528,null,{"$f":"IF(J$13=I22,M22,0)","v":0}]
[null,500000,null,null,null,null,null,null,250000,null,null,null,2.786,null,{"$f":"IF(J$13=I23,M23,0)","v":0}]
[null,1000000,null,null,null,null,null,null,500000,null,null,null,4.149,null,0]
[null,null,null,null,null,null,null,null,1000000,null,null,null,5.6,null,5.6]
[null,null,null,null,null,null,null,null,null,null,"Base Premium",{"$f":"SUM(L20:L21)","v":114},null,null,{"$f":"IF(SUM(O22:O25)>0,SUM(O22:O25),1)","v":5.6},"Factor"]
[null,null,null,null,null,null,null,null,null,null,"Factor",{"$f":"+O26","v":5.6}]
[null,null,null,null,null,null,null,null,null,null,"Final Base Premium",{"$f":"+L27*L26","v":638.4}]
[null,null,null,null,null,null,null,null,null,null,"Ded Factor",{"$f":"+O12","v":0.96}]
[null,null,null,null,null,null,null,null,null,null,"Net Premium",{"$f":"IF(N33=\"Yes\",0,ROUND(+L28*L29,0))","v":0}]
[]
[null,null,null,null,null,null,null,null,"Error when limit or deductible chosen but no coverage:",null,null,null,null,{"$f":"IF(G4=0,IF(J13>0,\"Yes\",IF(M13>0,\"Yes\",\"No\")),\"No\")","v":"No"}]
[null,null,null,null,null,null,null,null,"Error based on limit chosen higher than insured qualifies for:",null,null,null,null,{"$f":"IF(J13>M2,\"Yes\",\"No\")","v":"Yes"}]
[]
[null,"Drop down menus",null,null,null,"1st Party",null,null,null,null,"FIRST PARTY RATING"]
[null,null,null,null,null,"Chosen",null,null,null,"Limited - Chosen = 1",null,"Full - Chosen = 2"]
[null,"First Party Cyber One",null,null,null,{"$f":"SUM(F38:F41)","v":2},null,null,null,"Deductible",null,"Deductible"]
[null,"Choose …",null,null,null,{"$f":"IF(B38=Coverage!C$15,3,0)","v":0},null,null,"Limit",2500,5000,2500,5000,10000,null,"Premium"]
[null,"Does not want First Party Cyber One Coverage",null,null,null,{"$f":"IF(B39=Coverage!C$15,3,0)","v":0},null,null,25000,132,62,"n/a","n/a","n/a",null,{"$f":"IF(J46=1,IF(J43=I39,IF(M43=J38,J39,IF(M43=K38,K39,0)),0),0)","v":0}]
[null,"Limited First Party Coverage",null,null,null,{"$f":"IF(B40=Coverage!C$15,1,0)","v":0},null,null,50000,134,67,144,118,97,null,{"$f":"IF(J46=3,0,IF(J46=1,IF(J43=I40,IF(M43=J38,J40,IF(M43=K38,K40,0)),0),IF(J43=I40,IF(M43=L38,L40,IF(M43=M38,M40,IF(M43=N38,N40,0))),0)))","v":0}]
[null,"Full First Party Coverage",null,null,null,{"$f":"IF(B41=Coverage!C$15,2,0)","v":2},null,null,100000,"n/a","n/a","n/a",319,125,null,{"$f":"IF(J46=3,0,IF(J46=2,IF(J43=I41,IF(M43=M38,M41,IF(M43=N38,N41,0)),0),0))","v":319}]
[]
[null,"First Party Cyber One Deductible Options",null,null,null,null,null,null,"Limit",{"$f":"+Coverage!R15","v":100000},null,"Ded.",{"$f":"+Coverage!V15","v":5000}]
[null,"Choose …",null,null,null,null,null,null,"Chosen",null,null,"Chosen"]
[null,{"$f":"IF(J43=100000,5000,2500)","v":5000}]
[null,{"$f":"IF(J43=100000,10000,5000)","v":10000},null,null,null,null,null,null,"Package",{"$f":"+F37","v":2},null,"Premium",{"$f":"IF(F37=0,0,SUM(P39:P41))","v":319}]
[null,{"$f":"IF(J43=100000,\"\",IF(F37=1,\"\",10000))","v":""},null,null,null,null,null,null,"Chosen",null,null,null,null,null,null,null,"Coverage","Limit","Deductible"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trigger","Trigger","Trigger"]
[null,"First Party Cyber One Limit",null,null,null,null,null,null,"Is there an Error with consistency between coverage and limits",null,null,null,null,null,null,{"$f":"IF(P51=\"Yes\",\"No\",IF(J46=3,\"No\",IF(J46>0,IF(M46=0,\"Yes\",\"No\"),\"No\")))","v":"No"},{"$f":"+P49","v":"No"},{"$f":"+Q49","v":"No"},"No"]
[null,"Choose …",null,null,null,null,null,null,"Limit/deductible chosen and no coverage chosen?",null,null,null,null,null,null,{"$f":"IF(J46=0,IF(J43<>B50,\"Yes\",IF(M43<>B44,\"Yes\",\"No\")),\"No\")","v":"No"},{"$f":"+P50","v":"No"},{"$f":"IF(P50=\"Yes\",IF(J43=B50,\"No\",\"Yes\"),\"No\")","v":"No"},{"$f":"IF(P50=\"Yes\",IF(M43=B44,\"No\",\"Yes\"),\"No\")","v":"No"}]
[null,{"$f":"IF(F37=1,25000,50000)","v":50000},null,null,null,null,null,null,"Must enter limits?",null,null,null,null,null,null,{"$f":"IF(J46=3,\"No\",IF(J46>0,IF(J43=B50,\"Yes\",IF(M43=B44,\"Yes\",\"No\")),\"No\"))","v":"No"},"No",{"$f":"IF(P51=\"Yes\",IF(J43=B50,\"Yes\",\"No\"),\"No\")","v":"No"},{"$f":"IF(P51=\"Yes\",IF(M43=B44,\"Yes\",\"No\"),\"No\")","v":"No"}]
[null,{"$f":"IF(F37=1,50000,100000)","v":100000},null,null,null,null,null,null,"Trigger exclamation marks beside limit",null,null,null,{"$f":"IF(R49=\"Yes\",\"Yes\",IF(R50=\"Yes\",\"Yes\",IF(R51=\"Yes\",\"Yes\",\"No\")))","v":"No"}]
[null,null,null,null,null,null,null,null,"Trigger exclamation marks beside deductible",null,null,null,{"$f":"IF(S49=\"Yes\",\"Yes\",IF(S50=\"Yes\",\"Yes\",IF(S51=\"Yes\",\"Yes\",\"No\")))","v":"No"}]
[null,null,null,null,null,null,null,null,"Trigger exclamation marks beside coverage",null,null,null,{"$f":"IF(Q49=\"Yes\",\"Yes\",IF(Q50=\"Yes\",\"Yes\",IF(Q51=\"Yes\",\"Yes\",IF(Q56=\"Yes\",\"Yes\",\"No\"))))","v":"No"}]
[null,null,null,null,null,null,null,null,"Overall error to hide detail under coverage",null,null,null,{"$f":"IF(M52=\"Yes\",\"Yes\",IF(M53=\"Yes\",\"Yes\",IF(M54=\"Yes\",\"Yes\",\"No\")))","v":"No"}]
[null,null,null,null,null,null,null,null,"Two options out of alignment (limited/full)",null,null,null,{"$f":"IF(F37=3,\"No\",IF(F37+F59=3,\"Yes\",\"No\"))","v":"No"},null,null,null,{"$f":"+M56","v":"No"}]
[null,"Drop down menus",null,null,null,null,null,null,"Chosen third party but no 1st party",null,null,null,{"$f":"IF(F37=3,IF(F59<>0,\"Yes\",\"No\"),\"No\")","v":"No"}]
[null,null,null,null,null,"Chosen"]
[null,"Third Party Network Security Liability",null,null,null,{"$f":"IF(B60=Coverage!C24,0,IF(Coverage!C24=Rates!B61,0,+Rates!F65+Rates!F66))","v":2},null,null,null,null,"THIRD PARTY RATING"]
[null,"Choose …",null,null,null,null,null,null,null,"Limited - Chosen = 1",null,"Full - Chosen = 2"]
[null,"Does not want Third Party Cyber One Coverage",null,null,null,null,null,null,null,"Deductible",null,"Deductible"]
[null,{"$f":"IF(F37=1,\"Limited Third Party Coverage\", IF(F37=2,\"Full Third Party Coverage\",\"\"))","v":"Full Third Party Coverage"},null,null,null,null,null,null,"Limit",2500,5000,2500,5000,10000,null,"Premium"]
[null,null,null,null,null,null,null,null,25000,67,61,"n/a","n/a","n/a",null,{"$f":"IF(J70=1,IF(J67=I63,IF(M67=J62,J63,IF(M67=K62,K63,0)),0),0)","v":0}]
[null,null,null,null,null,null,null,null,50000,69,65,177,146,138,null,{"$f":"IF(J70=1,IF(J67=I64,IF(M67=J62,J64,IF(M67=K62,K64,0)),0),IF(J67=I64,IF(M67=L62,L64,IF(M67=M62,M64,IF(M67=N62,N64,0))),0))","v":0}]
[null,"Limited Third Party Coverage",null,null,null,{"$f":"IF(B65=Coverage!C24,1,0)","v":0},null,null,100000,"n/a","n/a","n/a",215,179,null,{"$f":"IF(J70=2,IF(J67=I65,IF(M67=M62,M65,IF(M67=N62,N65,0)),0),0)","v":215}]
[null,"Full Third Party Coverage",null,null,null,{"$f":"IF(B66=Coverage!C24,2,0)","v":2}]
[null,null,null,null,null,null,null,null,"Limit",{"$f":"IF($J$70>0,J43,0)","v":100000},null,"Ded.",{"$f":"IF($J$70>0,M43,0)","v":5000}]
[null,null,null,null,null,null,null,null,"Chosen",null,null,"Chosen"]
[]
[null,null,null,null,null,null,null,null,"Package",{"$f":"+F59","v":2},null,"Premium",{"$f":"IF(J70>0,IF(M56=\"No\",IF(M55=\"No\",SUM(P63:P65),0),0),0)","v":215}]
[null,null,null,null,null,null,null,null,"Chosen"]