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Cyber, network security and privacy liability coverage is typically prompted by a data breach that has exposed sensitive, protected or personal data, or proprietary business information.

Cyber/Network Security & Privacy Liability Coverages may Include the following:

• Costs associated with lawsuits caused by a data breach
• Notification expenses
• Crisis Management expenses
• Business Interruption
• Defense costs, fines, and penalties associated with a regulatory action
• Network Extortion
• Forensic Investigation expenses
• Multimedia and IP associated with liability from advertising and intellectual property risks
• Flexible limit options up to $10M
• Excess limits
• Minimum premiums and deductibles vary by class and market
• Coverages and limits can be purchased separately or in any combination

Consider Cyber/Network Security & Privacy Liability Insurance if you or your client’s business:

• Collects, stores, maintains or transmits private customer data or regulated information of clients, customers, and employees
• Has employees that use Smart Phones which allow access to private customer data
• Has a website with e-commerce features
• Has employees with remote access to your network or who take laptops, USB flash drives or PDAs from the office
• Shares any personally identifiable or sensitive information with third parties or gives third parties access to your network
• Processes credit card transactions
• Provides technology services to others
• Has copyrights/trademarks/patents/trade secrets which you are afraid might be utilized by others

Common causes of data breaches:

• Hackers gaining access to electronic information usually due to weak and/or stolen passwords
• Insider negligence or errors
• Employee misconduct
• Computer system vulnerabilities
• Physical theft

Target Classes

• Small to midsize businesses of all types (

We turn to IT professionals when we need help navigating the rapidly changing technology universe. IT professionals build our computer systems, make our products more accessible, fix our systems when they break down, and help strengthen our systems against data breaches. IT professionals impact virtually every industry. We rely on their expertise, but mistakes happen—even to IT professionals. That is why technology professionals of every size and type need professional liability insurance to protect them from a claim of financial loss or damages due to a mistake they may make.

Coverage and Highlights

• Technology E&O (Professional Liability)
• Flexible limit options up to $10M
• Excess limits
• Minimum premiums and deductibles vary by class and market
• Coverages and limits can be purchased separately or in any combination

Target Classes

• Small to large businesses
• Application Service Providers (ASPs)
• Business Software & Services (CRM, ERP, HR, BI)
• Health Care Information Software and Data Services
• Information Services Providers (Data Processor, Data Storage)
• Technology Services (Installation, Training, Integration, Advice)
• IT Service (e-commerce, Online Business)
• IT Staffing Companies
• Other Technology or Information Services
• And more

Media liability typically provides protection for media businesses that create or distribute content. Coverage may include intellectual property infringement, defamation, plagiarism, breach of confidentiality, and invasion of privacy. Those businesses that need media liability can include electronic and hardcopy publishers, broadcasters, musicians, advertising agencies, and Video, Film, and TV producers.

Media Liability Coverage and Highlights

• Multimedia Liability
• Marketing, Advertising, and Communications Liability
• Video, Film, and TV producers Liability
• Flexible limit options up to $10M
• Excess limits
• Minimum premiums and deductibles vary by class and market
• Coverages and limits can be purchased separately or in any combination

Target Classes

• Marketing, Advertising, and Communications Firms
• Multimedia Firms
  • Print, Online, Personal appearances, TV, Radio, and Cable
• Video, Film, and TV Producers