Cyber Liability

September 2, 2015 at 9:00 AM | Posted in Home, Identity Theft, Insurance Claims, Insurance Policy, Personal Insurance, Safety Tips | Leave a comment
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Every day, whether you know it or not, you are at risk to becoming a victim of a cyber-attack. Educating yourself about cyber-attack prevention and security can help keep you and your loved ones protected.

Who is exposed to Cyber Liability?

  • Family members on Facebook or other Social Media sites
  • On-Line Shoppers
  • Cyber bullying

Cyber-attacks may come from terrorists, criminals, activists, external opportunists and company insiders (both intentional and unintentional). Cyber criminals attack to gain some type of political, military or economic advantage. They usually steal money or information that can eventually be monetized, such as credit card numbers, health records, personal identification information and tax returns.

Cyber risks include:

  • Identity theft as a result of security breaches where sensitive information is stolen by a hacker or inadvertently disclosed, including such data elements as Social Security numbers, credit card numbers, employee identification numbers, drivers’ license numbers, birth dates and PIN numbers.
  • Introduction of malware, worms and other malicious computer code.
  • Human error leading to inadvertent disclosure of sensitive information, such as an email from an employee to unintended recipients containing sensitive business information or personal identifying information.
  • The cost of credit monitoring services for people impacted by a security breach.

These are just a few of the exposures you may have in your own home. Do you or your family members meet any of the above?

There are some ways to protect you from these exposures. Most property insurance carriers offer some type of coverage under your home, condo, tenant or dwelling fire (non-owner occupied) policies. Some of the coverages we mention may be added as a separate endorsement to your policy or may be available in package endorsements as well. These include, but may not be limited to, Personal Injury Protection, Identity Fraud coverage and Personal Umbrella coverage.

Contact us at 888-850-9400 to discuss your options and insure you have the right coverages in place.

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