(a) Crisis management expenses, such as costs of notifying affected parties, costs of forensic investigation, costs incurred to determine the existence or cause of a breach, regulatory compliance costs, costs of analysing the licensee’s legal response obligations;

(b) Claim expenses such as costs of defending lawsuits, judgments and settlements, and costs of responding to regulatory investigations;

(c) Coverage for a variety of torts, including invasion of privacy or copyright infringement; and

(d) Coverages relating to loss of revenue due to interruption of data systems resulting from a cyber or denial of service attack and other costs associated with the loss of data collected by the licensee.