When unauthorized parties gain access to a computer system, its owner must be able to respond to any number of scenarios. Hackers may cause the computer to malfunction or shut down, illegally transfer funds or inventory, destroy records of accounts receivable, or release confidential data. These and other scenarios can result in losses to the computer system operator, to third parties, or both. Unauthorized computer access coverage (or an endorsement to a broader Internet or computer program) is designed to cover expenses of responding to the access, providing liability, and physical damage coverage for injuries or damage and pay the financial damages that may occur after such unauthorized access. Deductibles are often substantial. It is not required to prove intent to achieve financial gain in order for coverage to apply.