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If your business handles customer and employee data, like credit card details and personal information, your cyber insurance policy covers the following in the event of a loss resulting from a cyber attack or cyber crime:
- Computer forensic services
- Legal advice
- Breach notification
- Breach services to affected individuals
- Identity recovery services
- Crisis Management
- Regulatory fine & penalties
- PCI fines & penalties
- Defense and settlement costs if sued by customers.

  • $2,500
  • $5,000
  • $10,000
  • $25,000
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Our Coverage Areas

Insurance can be complicated, so we’ve simplified it to help you make the most informed decision.
With our cyber insurance, you get one of the most comprehensive policies available for the market, customized for your business’s digital risks.

Your policy will cover the following areas:

Customer & Employee Data Loss

If your business experiences a cyber attack or cyber crime resulting in the loss of customer and employee data such as credit card numbers, your cyber insurance policy covers the following:

Data Compromise Response Expenses

When employee or client data is exposed by accident or a malicious act, states require that you notify those affected individuals. If the Payment Card Industry (PCI) or your state regulators find that you were negligent in your safe-keeping of sensitive data, you might face fines and penalties. Our policy can cover the notification costs and regulatory fines.

This coverage includes:
• Crisis management
• Regulatory fines and penalties
• PCI assessments, fines, and penalties

Data Compromise Liability

We cover losses and defense costs due to a claim or regulatory proceeding as a result of a privacy incident or data breach.

This coverage includes:
• Data compromise defense
• Data compromise liability
• Privacy incident liability

Identity Recovery

You may need to take time off work or hire a caretaker for your child or elderly parent while dealing with identity theft. We’ll cover lost wages and child and elder care among other expenses.

This coverage includes:
• Lost wages and child and elder care
• Mental health counseling
• Miscellaneous unnamed costs

(Deductible does not apply)

Reputational Harm

After you notify your customers that their information was exposed, they may be hesitant to continue doing business with you. We can cover operating expenses, such as payroll, and loss of income due to reputational damage from a data breach.

In addition, your policy will cover the cost of:

  • Computer forensic services
  • Forensic accountants
  • Legal advice
  • Defense and settlement costs if sued by customers
  • Breach notification and services to affected individuals
  • Identity recovery services

Cyber Extortion and Business Interruption

Cyber crimes and attacks, such as ransomware, could impact your day-to-day business operations, resulting in lost revenue. Your cyber insurance policy covers such incidents, including:

Cyber Extortion

If you experience a cyber extortion attack, such as ransomware, we cover the cost of hiring negotiators and investigators as well as the ransom payment, if necessary.

System Failure

We cover costs resulting from unintentional and unplanned computer system outages not caused by cyber attacks.

(Not due to cyber attacks)

Computer Attack

In the event of a cyber attack, we cover the costs of data restoration, data re-creation, and system restoration as well as your business interruption income & expenses. We can provide additional resources to improve your cybersecurity posture following a cyber attack.

This coverage includes:
• Computer Attack
• Data re-creation
• Crisis management
• Future loss avoidance
• Loss of business (including contingent loss of business)
• Extended income recovery

Cost of Forensic Accountant

We cover the hiring of a forensic accounting firm to determine how much business income you’ve lost and any extra expenses incurred due to a cyber attack.

Third Party Lawsuits

Third parties can sue your company when a network security incident impacts their business. They can also sue if any of your electronic communications result in their defamation, infringe their trademarks and copyrights, or violate their privacy policies. Your cyber policy covers you for defense and settlement related to the following:

Network Security Liability

We cover negligent security failures or weaknesses that result in malware spreading, denial of service attacks, or the unintended loss, release, or disclosure of third party corporate data.

This coverage includes:
• Network security defense
• Network security liability

Electronic Media Liability

We cover media incidents which include the infringement of copyright, trademarks, service marks, and more, unintended defamation, violation of someone’s privacy rights, and interference of someone’s right of publicity.

This coverage includes:
• Electronic media defense
• Electronic media liability

Payment and Service Fraud

Criminals may hack your systems, or deceive your employee or financial institutions into sending money to a fraudulent destination. They may also fraudulently use your telecommunications systems and increase your costs. Your policy covers the losses in those incidents.

Misdirected Payment Fraud

We cover losses due to fraudulent fund transfers.

Telecommunications Fraud

In the event that your telecommunications systems experience a cyber attack, this covers costs to your Telephone Service Provider due to the attack.

Computer Fraud

We cover losses due to fraudulent data entry or change by someone who is not your employee.

Additional Coverages

Reward Payment Reimbursement

We cover rewards you pay for information regarding data breaches.

Additional Insured

If a customer, partner, or other party requires that they be covered under your policy, you can name them as an additional insured.

Pursuant to a contract