Flexible specialty coverage for public entities that goes above and beyond the ordinary

CyberFirst now has even more flexibility and choice

These are some of new optional coverages your public entity clients can look forward to with the rollout beginning in January 2017:

• Retentions won’t stack. If related first party incidents trigger multiple first party coverages and more than one retention applies, the total retention won’t exceed the largest applicable retention – we won’t stack the retentions.
• Claim definition expansion. We’ll add “a written demand to toll or waive a statute of limitations” to our claim definition, which can sometimes allow more time to report a claim.
• Contingent business interruption expansion. This new optional coverage extends to the policyholder’s business interruption loss, and additional expenses directly attributable to a disruption to an IT provider’s or outsource provider’s computer system.
• Privacy policy protection enhancement. Failure to comply with any identity information provision in your privacy policy is a covered wrongful act in our CyberFirst Network and Information Security Liability coverage.   
• Additional security breach expense reimbursement. We will reimburse for credit and identity monitoring expenses for two years or longer, if required by a notification law, as well as for expenses for fees and costs or expenses associated with the purchase of an identity fraud insurance policy.

CyberFirst still follows a unique single-policy approach, including coverage options for:

• Network and Information Security Liability
• Communications and Media Liability
• Expense Reimbursement

Explore CyberFirst here, and to request a quote, complete the Travelers public entity cyber application.