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Cyber Liability Insurance

It is essential to invest in a Cyber Liability policy. Your business may not realize the exposure that you have and that you may be considered responsible.

These policies are intended to cover a variety of liability losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network.

Cyber policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties.

If your business handles sensitive customer data (such as credit card or bank account numbers), data breaches pose a serious threat to your financial stability. Cyber Liability insurance protects businesses against the expenses associated with a data breach, which can cost you a limitless number of dollars.

First-party response may cover:

  • Legal and forensic services to determine whether a breach occurred and assist with regulatory compliance if a breach is verified.
  • Notification of affected customers and employees, including costs such as letter preparation and mailing.
  • Customer credit monitoring, as well as monitoring of fraud, public records, and other information as needed.
  • Crisis management and public relations to educate your customers about the breach and rebuild your company's reputation.
  • Good faith advertising.
  • Business interruption expenses such as costs for additional staff, rented or leased equipment, use of third-party services, and additional labor arising from a covered claim.
  • Cyber extortion reimbursement for perils including credible threats to introduce malicious code; pharm and phish customer systems; or corrupt, damage, or destroy your computer system.

Third-party defense and liability may cover:

  • Judgments, civil awards, or settlements you're legally obligated to pay after a data breach.
  • Electronic media liability, including infringement of copyright, domain name, trade name, service mark, or slogan on an intranet or Internet site.
  • Potential coverage for employee privacy liability as well as network security and privacy liability.

 

 

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Acadia Insurance 
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Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

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