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1. Hacked Emails ($100K) – Scenario: Your email account is compromised and then sends malware to your contacts. Up to $100K Third-Party Liability coverage applies.
2. Ransomware ($10K) – Scenario: Ransomware locks your files until the ransom is paid. This essential coverage helps with costs and file recovery.
3. Payment Data Breach ($100K) – Scenario: An attacker duplicates your website’s payment page and your client pays their premium on the hacked page. Get coverage for investigation, notification, and damages.
4. Lost/Stolen Device ($100K) – Scenario: Did you know that if your laptop/phone with client data is stolen, you could be required by law to notify clients, provide credit monitoring, and you could face fines ($500–$5,000 per record)? This coverage pays for notification and legal costs.
5. Wire Fraud ($10K) – Scenario: A hacker impersonates a trusted vendor and sends a fraudulent invoice. Your office sends payment, thinking the invoice is legitimate. This coverage helps recover the funds and protects against financial loss.
• $100,000 Cyber / Technology Security Coverage
• $100,000 Aggregate for Privacy Fines or Penalties
Company Direct Expenses Insuring Clauses:
• $25,000 for Costs of Notification
• $25,000 for Crisis Costs
• $25,000 for Cyber Breach Forensic Expenses
• $10,000 for Extortion Expenses
• $10,000 for Technology Fraud Theft Loss
Cyber Liability coverage is underwritten by Scottsdale Indemnity Company and offered as an optional coverage to enhance your PL/GL policy. Coverage is subject to all applicable terms, conditions, and exclusions.