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DataBreachSM Coverage

Protect

The Problem
Despite valiant efforts by businesses to secure their computer systems and other proprietary information sites, with data theft on the rise, they remain prime targets.

When a security system fails, how can a company recover from a data theft incident?

The Risk
Loss of confidential customer and/or employee data, which could lead to costly lawsuits and erosion of trust and reputation.

The Solution
DataBreachSM Coverage. Helping businesses recover after an incident of data theft.

The Advantage*

  • Liability coverage for identity theft, breach of privacy, failure to protect confidential client data, transmission of spyware, viruses and other malicious code
  • Covers unauthorized access and potential unauthorized access to the named insured's laptops, back up tapes and other storage media, including paper records
  • Definition of "unauthorized access" includes access privileges gained by fraud or deception and unauthorized use of access privileges by authorized users, including employees
  • Full liability limit available for defense of proceedings instituted by privacy regulators and the portion of privacy regulatory settlements or judgments used to fund the payment of patient or consumer claims
  • Worldwide coverage
  • Punitive damages where insurable
  • Optional first party coverage of insured's costs resulting from unauthorized access includes the following:
    • Restoration of a network
    • Extra expenses incurred during recovery
    • Theft of money or securities and payment of extortion demands
    • Loss of business income-by endorsement
  • Supplementary payments coverage in addition to the limits, and not subject to the deductible, is available for the following:
    • Compliance with security breach notice laws
    • Voluntary credit monitoring
    • Public relations expenses
  • Optional electronic media coverage

Social Services

Social Services

Professional Liability, General Liability, Hired and Non-Owned Auto Liability, Property

Typical Classes
This product is designed to provide coverage for a wide range of facilities and programs that provide human service assistance to the community. Types of facilities or programs that may be included are adoption and foster care placement agencies, drug and alcohol treatment programs, mental health counseling centers, residential care facilities, domestic violence shelters, and day treatment centers for mentally ill or developmentally disabled.

Coverages Available

  • Property
    • Replacement Cost & Special Form
  • Inland Marine
  • Crime
  • General Liability
    • Occurrence or Claims Made Coverage
    • Employee Benefits Liability (Claims Made)
    • Up to $5,000,000/$5,000,000 Limits
  • Professional Liability
    • Occurrence or Claims Made Coverage
    • Up to $5,000,000 / $5,000,000 Limits Available
    • Physical and Sexual Abuse sublimits may be written as part of the Professional Liability Coverage Part
  • Hired and Non-Owned Auto Liability
    • Up to $1,000,000 CSL Per Accident

Features / Benefits

  • Deductible options
  • Defense Costs in Addition to the Policy Limits
  • 60-Day Automatic Tail
  • Employees and Volunteers Included as Insureds
  • Prior Acts Coverage available

High Limit Property Coverage Available

High Limit Property Coverage Available

Coverage Information:

  • Target Market: Accounts in many classes-
    • Habitational - Garden and midrise apartments, mixed occupancy, rental dwellings, hotels and motels
    • Real Estate - Shopping centers, offices, vacant properties, restaurants, warehousing
    • Light manufacturing
    • Chapter 11
    • Debtor in Possession
    • Forced Placed
    • Bars and Restaurants
    • Manufacturing
    • Aluminum wiring
    • Risks with prior large losses
    • Undervalued property
    • New ventures
    • And other "unusual" risks
Product Design Coverage

Product Design Coverage

Does your customer design their own products? We can now offer coverage for negligent engineering and design work, by endorsement to the General Liability policy. Products Liability coverage would be enhanced to "include engineering and design work" when performed by the named insured for the product manufactured by the named insured. Coverage would not apply if the design work is performed by others or if the named insured does design work for others.


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