Soru

### Tab 1: Policy Terms & Exclusions
- Base Coverage Limits: Standard Tier-A cyber liability insurance covers incident losses up to $1,000,000 per breach event. - **Deductible**: A base deductible of$ 100,000 applies to all Tier-A claims.
- SLA Penalties: If containment time exceeds 24 hours, the gross claim payout (before deductible) is reduced by 20%.
- Exclusion Exception (Section 4.1): If a breach involves fewer than 10,000 records AND root-cause analysis verifies an unpatched zero-day vulnerability, the 20% SLA penalty is waived, but the base deductible increases to $150,000.

### Tab 2: Incident Response Audit (Q2 Event #408)
- Affected Records: 8,500 customer identity records compromised.
- Time to Containment: 28 hours (exceeding 24-hour baseline SLA).
- Audit Findings: Breach originated via an unpatched zero-day exploit in the primary firewall firmware.
- Total Assessed Direct Loss: $600,000.

### Tab 3: Claims Calculation Log
- Formula: Net Payable = Gross Loss $\times$ (1 - SLA Penalty Rate) - Applicable Deductible.

Statement: Based on the three sources, the net insurance payout payable to the insured organization for Incident #408 is $380,000.