Cyber Liability Exposure Insurance

ALL businesses are vulnerable

Cyber Risk Just the Facts:

  • Data breaches and cyber-attacks have increased 62% in just one year.
  • 30% of all breaches occurred in organization of fewer than 250 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.
  • Average cost associated with data breach is $201 per compromised record.
  • Average cost to rectify a data breach has risen to an average of $5.85 million.

Today’s increased reliance on technology comes with a down side. It is no longer a question of if you will suffer a breach, but when. It takes just one stolen laptop, one resourceful hacker, one virus, even a lost paper with client data or your company’s financial records to create enormous financial and reputational consequences for your business. Fuller Insurance has the insurance products with these risks in mind.

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Cyber Liability Exposure Insurance

Liability Coverages Available

Data Privacy Liability & Network Security Liability

  • Violations of data privacy laws.
  • Unauthorized access or unauthorized use of computer systems

e-Media Liability

  • Copyright and trademark infringement.
  • 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
  • Crisis Management Expense
  • Data Privacy Regulatory Proceedings Expense
  • Cyber Investigation Expenses
  • Information Asset Recovery

First Party Coverage

  • Business Interruption and Cyber Extortion

Protect Your Business Reputation with Data Breach Coverage

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.

Data Breach Insurance Offered through Fuller Insurance:

  • Gives you peace-of-mind with 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.

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

The definitions are only a general description of the coverage.
You must read your policy for actual definitions, limitations, and coverage limits as each has their own language and coverage limits.

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