Cyber Facts and FAQs

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What are the most common ways data gets compromised?
Data can be compromised in a variety of ways. Some of the most common cyber events involve hacking, lost or stolen laptops/devices, employee errors, ransomware, denial of service attacks or hacktivism.

Is all cyber insurance the same?
No. Each insurance policy may be materially different, it is important to work with your agent about tailoring a Travelers cyber insurance policy to fit your needs. Travelers offers superior services backed by our financial strength, underwriting experience and superior claim services.

What standards apply to data privacy?
There are a variety of Consumer Protection Laws and standards in place that address handling private and confidential data of others, including such examples as:

  • 47 State Data Breach Laws
  • USA Patriot Act
  • Children’s Online Privacy Protection Act (COPPA)
  • Health Insurance Portability & Accountability Act (HIPAA)
  • Health Information Technology for Economic & Clinical Health Act (HITECH Act)
  • Gramm-Leach-Bliley
  • Sarbanes-Oxley
  • Federal Information Security Management Act (FISMA)
  • EU Data Protection Directive
  • California Data Breach Protection Act (SB 1386)
  • Payment Card Industry Data Security Standard (PCI-DSS)

What should I do to prepare against cyber risks?
It is the business or organization's responsibility to protect its assets—which includes its data. Including the security of sensitive records and information as a category of managed risk is smart business and cyber liability insurance is a critical part of your plan that can help mitigate the associated expenses of a cyberattack or data breach.

Travelers Casualty and Surety Company of America and its property casualty affiliates.
One Tower Square Hartford, CT 06183

This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

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