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Cyber Liability

from Fuller Insurance Agency

Cyber Liability

Today, businesses are increasingly reliant on technology to do business. Even the most traditional “brick and mortar” enterprises rely on information technology to conduct day-to- day operations. Technology has positively affected organizations in a number of ways, including decreased operational costs, increased speed to market and improved customer service. This increased reliance on technology, however, comes with a downside.

Hackers, malicious software, rogue employees and hardware loss or theft are all very real risks to your insured’s business. Fuller Insurance has the insurance products which are built with these risks in mind. Specifically designed for qualified small and middle market businesses with less than $200 million in annual revenues, this product has limits of up to $10 million and provides worldwide coverage.

Liability Coverages Available

Data Privacy Liability & Network Security Liability

  1. Violations of data privacy laws.
  2. Unuathorized access or unauthorized use of computer systems, identity theft, specific use of a malicious code against a targeted computer system.

e-Media Liability

  1. Copyright and trademark infringement.
  2. Libel, slander, defamation and reputational harm.

Miscellaneous Professional Services

Negligent act, error or omission in the performance of defined professional services.

Expense Coverage

Notification and Credit Monitoring - Voluntary notification coverage available.

Crisis Management Expense - Covers cost to hire public relations firms, crisis management firms and law firms to mitigate reputational damage.

Data Privacy Regulatory Proceedings Expense - Includes fines levied in violation of HIPAA, HITECH, FACTA.

Cyber Investigation Expenses

Information Asset Recovery available.

First Party Coverage

Business Interruption and Cyber Extortion.

Help Protect Your Business Reputation with Data Breach Coverage

Is Your Business Prepared for a Data Breach?

Credit card information is stolen, paper files are not shredded, a business laptop is stolen. You can be confident that Fuller Insurance’s Data Breach insurance will provide swift solutions to help safeguard and restore your business’ reputation and customers’ trust, and provide you, your customers and employees with help before and after a breach.

Any business that handles or stores any private business, customer and patient or employee data is at risk for a data breach. When a data breach happens, most businesses are required by law to take action or face the possibility of civil litigation or other penalties. Before the unthinkable happens, you need the tools and information to confidently assess the situation and manage the crisis.

The Right Solution: What Data Breach Insurance Offers

  • Delivers peace-of-mind breach expense coverage to help you cope with rising breach costs, including public relations and good-faith advertising, and defense and liability expense coverage if a claim is brought against you by one of your customers who has been affected by the breach.
  • Supplies professional assistance to help you confidently handle a breach crisis.
  • Provides easy access to a secure breach preparedness website, featuring easy-to-understand tips and guidelines you and your staff can use every day – not just when you have a claim.

Data Breach: Just the Facts!

Small Business Statistics

  • 64% of data breaches investigation in 2010 were from organizations with fewer than 100 employees.
  • 95% of all credit card breaches are against small businesses.
  • 52% of small business owners reported they have no data security policy in place.

Data Breach Defined

Loss, theft, accidental release or accidental publication of Personally Identifiable Information (PII) and Protected Health Information (PHI) including:

  • Social security number
  • Bank account number
  • Credit or debit card numbers
  • Driver’s license number
  • Email address
  • Patient history and medications

How a breach can occur

  • Hacking
  • Theft or release due to unauthorized access (such as by former employees or vendors).
  • Stolen or lost paper and electronic files.
  • Stolen or lost laptop, smartphones, tablet, or computer disks.
  • Stolen credit card information.
  • Employee error or oversight.

Who Needs Data Breach Coverage?

Any business, small or large, that handles or stores any private business, customer, patient or employee data is at risk. The following businesses are at a higher risk for a data breach because of the quantity and type of sensitive information they handle and store:

  • Healthcare practices
  • Law offices
  • Accounting offices
  • Retailers
  • Restaurants
  • Financial services