CyberRisk for Public Entities
Just as public entities would not go without an insurance policy to protect themselves from a fire, they shouldn't go without protecting themselves from cyber risks. CyberRisk is a powerful, modular approach to offering cyber insurance solutions for public entities.
CyberRisk is enterprise-wide coverage specifically tailored to public entities.
It protects public entities' bottom lines against damages they must pay because of economic loss caused by a wrongful act. It provides 17 insuring agreements, including:
Liability Coverage Including:
- Privacy and Security
Breach Response Coverage Including:
- Privacy Breach Notification
- Cyber Extortion
- Data Restoration
Cyber Crime Coverage Including:
- Computer Fraud
- Funds Transfer Fraud
- Social Engineering Fraud
Business Loss Coverage Including:
- Business Interruption
- System Failure
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CyberFirst Coverages for Public Entities
This cutting-edge coverage protects against claims or suits for covered loss caused by the failure to prevent unauthorized access to, or use of, data containing private or confidential information of others; the failure to prevent the transmission of a computer virus; failure to provide access to authorized users of the policyholder's website or communications network; and the failure to provide notification of any actual or alleged potential unauthorized access to, or use of, data containing private or confidential information of others as required by any security breach notification law that applies to the policyholder.
This coverage protects against claims or suits for covered loss caused by infringement of copyright, title, slogan, trademark, trade name, trade dress, service mark or service name in the policyholder's covered material; the unauthorized use of any advertising material, or any slogan or title, of others in the advertising of the business, premises, products, services, work or completed work of others; and plagiarism or unauthorized use of a literary or artistic format, character or performance in the policyholder's covered material is included.
This first-party cover provides reimbursement coverage for the following optional coverages:
- Security breach notification and remediation expenses
- Crisis management service expenses
- Business interruption and additional expenses
- Extortion expenses
- Computer program and electronic data restoration expenses
- Computer fraud
- Funds transfer fraud
- Telecommunications theft
- Reputational harm
- Social engineering