Cyber liability and data breach insurance for businesses

Cyber liability coverages and services

• Data compromise protection
  Data compromise protection covers employee and customer information in the event of a hacking, physical theft of electronic data or hard copy files, procedural errors or fraud. Data compromise protection includes:

  • Legal reviews
  • Forensic information technology services to help determine the nature and extent of an electronic breach
  • Personal services for those affected, including a help line, credit monitoring and case managers for victims of identity fraud

  • Services provided by a professional public relations firm to review and respond to the potential impact of the data compromise
  • Legal defense costs
• Identity recovery protection
  Identity recovery protection helps identity fraud victims restore their credit history and identity records to pre-theft status. Coverage and services extend to key owners, their employees and resident family members. Identity recovery protection includes:

  • An identity theft help line staffed by counselors and specialized case managers
  • Services to correct victims' records to pre-theft status, such as writing letters to credit bureaus and other institutions, as well as preparing communications to send to government agencies

  • Expense reimbursement for lost wages, various legal fees, and more
• Cyber protection
  Cyber protection protects your business against damage to electronic data and computer systems from a virus or other computer attack. It also protects your business's liability to third parties that may have suffered damage due to security weaknesses in your business's computer system. Cyber protection helps pay for:

  • Restoring and recreating data
  • Restoring a computer system to its pre-attack level
  • Lost business and extra expenses

  • Public relations services, to communicate with outside parties concerning a computer attack and the insured's response