Cyber Liability Insurance

Cyber Protection Package

As your business increasingly relies on technology, both internally and to service clients, coverage gaps can emerge that traditional insurance policies don't cover. Cyber liability is one such area.

Most small and medium businesses are alarmed to learn that attackers aren't just focused on large companies. In fact, smaller businesses often are increased targets because those who perpetrate cyber crime know that these organizations do not have large security teams in place to thwart this activity. Nearly a third of cyber attacks affect businesses with fewer than 100 employees1.

While it's not always possible to stop a cyber attack on your business, cyber liability insurance presents a valuable risk management solution for many data and network risks by providing access to response teams with a clear focus on solving the wide variety of new cyber perils, including network outage, data loss/theft, or even cyber extortion demands.

While general liability and professional liability policies may offer reimbursement coverage, they typically do not provide assistance with the response to an actual cyber event. Not responding properly could affect your reputation, do damage to your bottom line, and cause fines by consumer protection agencies. With an average of 117,339 attacks and security incidents per day2, is it worth the risk of navigating an incident on your own? Get support and protection with our Cyber Protection Package.

1 2013 Internet Security Threat Report
2 PwC Global State of Information Security® Survey 2015

  • Work closely with policyholders and, when necessary, forensic and crisis management consultants to identify the cause of the breach, determine its scope, and formulate the appropriate response to the incident.
  • Position communications so they are protected by work product privileges in order to minimize the amount of information that must be made available to third parties in the event regulatory action or litigation ensues.
  • Coordinate with law enforcement where appropriate.
  • Formulate compliant notification letters to affected individuals and implicated regulatory bodies.
  • Identify and retain, where appropriate, credit/identity monitoring and restoration services to be offered to affected populations.
  • Arrange for the appropriate call centers and FAQs to respond to inquiries.
  • Develop and manage appropriate responses to post-notice inquiries received from affected individuals and regulators.
  • Defend policyholders during formal regulatory and payment card industry investigations and enforcement actions, and in the event of a class action or other litigation.
  • Coverage bundles and optional endorsements are available.

Digital Crime

First-of-its-kind bundle of coverages to protect your company from various types of digital crime including:

  • Electronic transfer of funds
  • Telephone toll fraud
  • Cyber extortion
  • Deceptive transfer

Breach Liability

Broad liability coverage for any suits or demands related to cyber that result in a loss to your company including:

  • Privacy liability
  • Website media liability
  • Regulatory
  • Payment card industry (PCI)

Breach Rectification

Coverage designed to get your business back on track as quickly as possibly all while protecting your company's brand and reputation. The coverage suite includes:

  • Data breach team
  • Business interruption
  • Digital asset loss

Help from Onset to Conclusion

Responding to a cyber event and navigating federal, state and international laws, as well as any contractual obligations, governing notification requirements and remediation can be complex and time consuming for an organization.

The Cyber Breach Response Team provides expert legal services and technical support designed to assist policyholders who have identified a data security breach. The Team works closely with a policyholder's management team, in-house and outside cyber-security experts, law enforcement and government regulators to accomplish compliant and timely public reporting as required. The Team is well-equipped to defend litigation, including national consumer class action litigation.

Expert Guidance

In the event of a security breach, a privacy attorney will be assigned to the case and promptly respond to and investigate any suspected or actual event. You can be assured of discretion because your interactions with the attorney will be subject to Attorney-client privilege.


  • This product is available in all states.
  • Cyber Protection is available to companies that utilize technology to conduct business, but are not classified as technology companies.

ProDefender works with these and other admitted carriers rated A or better by A.M. Best:

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