Layer Condition

 

The following table details the validation rules for Layer Condition fields related to risk of cyber attack:

 

Please note that most fields are mandatory.

Mandatory fields are highlighted. For your convenience, the table is sortable by column head.

 

Field

Description

Validation Rules

Default Value

Data Type

Mandatory/ Optional

Common Core

Layer Condition SID

Unique system-generated sequential identifier for the layer term record.

 

N/A

Integer

Mandatory

 

Layer SID

Unique system-generated sequential identifier for the layer record.

 

N/A

Integer

Mandatory

 

Contract SID

Unique system-generated sequential identifier for the contract record.

 

N/A

Integer

Mandatory

 

Layer Condition Type Code

Code for the layer condition type

SUB

(ADD is reserved for future use.).

Must be:

SUB

SUB

String

Mandatory

 

Peril Set Code

Numeric code for the single peril or set of perils.

       131072 (Cyber security data and privacy breach)

       262144 (Cyber security property damage)

       393216 (Sum of the codes for Cyber security data and privacy breach and Cyber security property) damage

Can be one of the following:

       131072

        262144

       393216

N/A

Integer

Mandatory

Yes

Applies to Tag

User-defined condition key

2 or 3 letter code must come from this list:

Country Codes

 

String

Optional

 

Occ Limit Type Code

Code for the occurrence limit type.

         B (Blanket Limit)

         C (Limit by Coverage)

         E (Excess Limit)

         BH (Blanket Hours)

         CH (Coverage-specific Hours)

         N (No limit)

Must be one of the following layer condition limit types:

         B

         C

         E

         BH

         CH

         N

N

String

Mandatory

 

Occ Limit 1

If OccLimitType = C or CH

Limit for Security Breach Expense coverage

Coverage for losses caused by the expenses associated with a security breach during the policy period; for example, forensics, notification costs, call center fees, credit monitoring, and related expenses.

If OccLimitType = B, BH, or E

Occurrence Limit Amount

If OccLimitType = N

Should be 0 (unlimited)

If OccLimitType is C, CH, B, BH, or E

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If OccLimitType is N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 2

Limit for Business Interruption coverage

Occ Limit Type = 2

Coverage for business interruption losses experienced during the policy period; for example, interruptions caused by ecommerce problems or extortion threats.

For all other Occ Limit types, this field is not applicable.

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If OccLimitType is E

Must be a numeric value between 0 and 999999999999999, inclusive.

If the value is greater than 0 and less than 1, it will be treated as a participation percentage.

If the value is greater than 1, it will be treated as the participation limit

If OccLimitType is B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 3

If OccLimitType = C or CH

Limit for Security Breach Liability coverage

Coverage for liability losses arising from security breaches.  For example, damage to customers’ data, customers’ loss of use of services, or misappropriation of funds from customer accounts.

If OccLimitType = E, B, BH, or N

Field is not applicable.

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 4

If OccLimitType = C or CH

Limit for Extortion coverage

Coverage for business losses caused by an extortion threat made within the policy period.

If OccLimitType = E, B, BH, or N

Field is not applicable.

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Deductible Type Code

Code for the Layer Condition deductible type.  The location deductibles, if any, for the risks affected by a given event, are compared to the Layer Condition deductible using ground up loss to determine the deductible amount.

       MM (Minimum and Maximum)

       MI (Minimum Deductible Amount)

       MA (Maximum Deductible Amount)

       N (No deductible)

Must be one of the following deductible type codes:

       MA

       MI

       MM

       N

*Reserved for Future Use

N

String

Mandatory

 

Deductible 1

Deductible 1 amount

Contains the actual value of the Minimum Deductible if Deductible Type Code is MI or MM

If the Deductible Type Code is MA or N, this field is not applicable.

 

*Reserved for Future Use

If Deductible Type Code is MI

Must be a numeric value between 0 and 999999999999999, inclusive

If Deductible Type Code is MM

Must be a numeric value between 0 and 999999999999999, inclusive AND less than Deductible 2

If Deductible Type Code is N

Must be 0

 

*Reserved for Future Use

0

Float

Optional

 

Deductible 2

Contains the actual value of the Maximum Deductible if Deductible Type Code is MA or MM

 

*Reserved for Future Use

If Deductible Type Code is MA

Must be a numeric value between 0 and 999999999999999

If Deductible Type Code is MM

Must be a numeric value between 0 and 999999999999999, inclusive AND greater than Deductible 1

If Deductible Type Code is MI or N

Must be 0

 

*Reserved for Future Use

 

Float

Optional

 

Attachment 1

If OccLimitType = C or CH

Attachment Point value for Security Breach Expense coverage

If OccLimitType = B or E

Attachment Point value for all coverages combined

If OccLimitType = BH

Attachment Point value for all coverages except Business Interruption combined

If OccLimitType = N

Should be 0 (unlimited)

If OccLimitType is C, CH, B, BH, or E

Must be a numeric value between 0 and 999999999999999, inclusive

If OccLimitType is N

Must be 0

0

Float

Mandatory

 

Attachment 2

If OccLimitType = C

Attachment Point value for Business Interruption coverage, expressed in units of currency

If OccLimitType = CH or BH

Attachment Point value for Business Interruption coverage, expressed in number of hours of downtime

If OccLimitType = B, E, or N

Field is not applicable

If OccLimitType is C, CH, or BH

Must be a numeric value between 0 and 999999999999999, inclusive

If OccLimitType is E,  B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 3

If OccLimitType = C or CH

Attachment Point for Security Breach Liability coverage

If OccLimitType = E, B, BH, or N

Field is not applicable.

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 4

If OccLimitType = C or CH

Attachment Point for Extortion coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Inuring Sequence Number

Layer sequence order

Can include up to 2 characters

 

Small Integer

Optional

 

Parent Layer Condition SID

Unique system-generated sequential identifier for the layer condition for the parent record

 

 

Integer

Mandatory

 

Row Version

System-generated field used for version stamping.

Can include up to 8 characters

 

Timestamp

Mandatory

 

Occ Limit 5

If OccLimitType = C or CH

Limit for Fines coverage

Coverage for legally insurable civil fines assessed by regulatory action of a government agency and payable to a government agency.

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 6

If OccLimitType = C or CH

Limit for Physical coverage

Coverage for damage or destruction of physical objects and systems like computers, appliances, and industrial equipment and systems.

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 7

If OccLimitType = C or CH

Limit for Programming E&O coverage

Coverage for liability arising from any negligent act, error, or omission related to an insured’s products or services provided to others.  For example liability for a client’s business interruption due to negligent programming of an insured’s online order processing service.

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

 

0

Float

Mandatory

Yes

Occ Limit 8

If OccLimitType = C or CH

Limit for Public Relations coverage

Coverage for negative publicity expenses caused by an e-commerce problem or a security breach during the policy period.

If OccLimitType = E, B, BH, or N

Field is not applicable.

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 9

If OccLimitType = C or CH

Limit for Publishing Liability coverage

Coverage for liability arising from actual or alleged acts of libel, slander, or false advertising in online content.

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Occ Limit 10

If OccLimitType = C or CH

Limit for Replacement of Data coverage

Coverage for electronic data or computer programs lost due to an e-commerce problem during the policy period.

If OccLimitType = E, B, BH, or N

Field is not applicable.

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

 

0

Float

Mandatory

Yes

Occ Limit 11

If OccLimitType = C or CH

Limit for Media Liability coverage

Coverage for defamation, intellectual property infringement, invasion of privacy, breach of confidence, product disparagement, misuse of confidential information, contingent bodily harm or property damage, and punitive/exemplary damages where legally insurable.

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

 

0

Float

Mandatory

Yes

Occ Limit 12

If OccLimitType = C or CH

Limit for Bodily Injury coverage

Coverage for bodily injury including disease and death.

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

Note: A value of 0 means unlimited.

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

Yes

Attachment 5

If OccLimitType = C or CH

Attachment Point for Fines coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 6

If OccLimitType = C or CH

Attachment Point for Physical coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 7

If OccLimitType = C or CH

Attachment Point for Programming E&O coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 8

If OccLimitType = C or CH

Attachment Point for Public Relations coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 9

If OccLimitType = C or CH

Attachment Point for Publishing Liability coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 10

If OccLimitType = C or CH

Attachment Point for Replacement of Data coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 11

If OccLimitType = C or CH

Attachment Point for Media Liability coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

Attachment 12

If OccLimitType = C or CH

Attachment Point for Bodily Injury coverage

If OccLimitType = E, B, BH, or N

Field is not applicable

If OccLimitType is C or CH

Must be a numeric value between 0 and 999999999999999, inclusive

If the OccLimitType is E, B, BH, or N

Must be 0

0

Float

Mandatory

 

 

 

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