Liability Coverages
- Liability arising from accidental release, unauthorized disclosure, theft or loss of protected personal information
- Liability arising from denial of service attacks or the inability to access websites or computer systems
- Liability for failure to timely disclose an incident or to comply with your privacy policy
- Regulatory action defense, fines and penalties coverage including payments to consumer redress funds
- Crisis management and related expenses can be reimbursed or paid on your behalf
- Punitive damages (where allowed by law)
- Favorable consent to settle clause giving the policyholder more control over settlement First Party Coverages
- Crisis management expense coverage for enterprise security events written on an occurrence basis with discovery trigger
- Voluntary notification coverage, as well as call center services
- Public relations expense, including web content development, spokesperson training and media talking points
- Fraud prevention services, including credit monitoring and ID theft insurance services for affected persons
- Computer system extortion expense and loss coverage Other Policy Features
- Aggregate retentions for 1st party and liability coverages
- Blanket additional insured coverage
- Automatic subsidiary coverage including newly created or acquired entities
- Panel of pre-approved service providers
- Late notice permitted if legally prohibited from disclosure
- Breach Coach Hot-Line C
Data Breach Event Resources
Comprehensive risk management and loss control resources are available if you have an actual or suspected data breach. A list of pre-approved service providers is available at www.stoplosshub.com. Policy holders receive one free hour of consultation with an approved breach coach should an actual or suspected breach occur.
Optional Coverage
- Coverage for PCI Fines and Recertification
- Outside Limits Crisis Management and Fraud Response Coverage for select accounts
- Media coverage for website content and content published on social media
- Business Interruption Loss Coverage
- Data Restoration Coverage
Maximum Limits, Minimum Premium and Minimum Retentions
- Up to $20 Million limit capacity, primary or excess
- $1,000 minimum premium for a limit of $1 Million
- $1,000 minimum retention
- 2 Million Individuals Outside Limits Crisis Management and Fraud Response Coverage (for select accounts)