Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.
Cyber liability insurance is a specialized policy that’s customized to cover many of the risks your business faces from an information breach–and even covers some risks you might not have thought of.
A cyber liability insurance policy can help you to cover the expenses associated with a cyber hack. 另外, some commercial cyber liability policies cover loss of business while your systems are compromised or unavailable. You can even get coverage against inadvertently breaching somebody else’s copyright.
A number of action steps must be taken once your business has experienced a cyber hack. 这些步骤包括:
- Notifying customers and clients of the breach (a legal requirement in most states).
- Paying damages to clients, customers and suppliers who lose out because of your breach.
Explore how having the right business insurance can protect your company from the unexpected.
互联网编织了一张全新的责任暴露网. 电子商务, 社交网络, 云存储, and other technologies bring great benefits to large and small businesses alike. 但这些好处也带来了挑战, 包括保护隐私, data, 还有你客户的财务信息. If this information is lost, stolen, or compromised, your company is at risk. In fact, you may even be required by law to alert those impacted by the breach and to pay for any financial loss incurred.
Cyber liability coverage offers protection due to unauthorized access of electronic data or software within your network. 它还提供了传播病毒的保险, 电脑被盗, extortion, 或任何无意的行为, mistake, error, 或雇员的疏忽. This coverage is quickly becoming more and more important as you embrace technology to help run your business.
如果您的公司面临数据泄露或网络攻击, you may be forced to cover breach-related expenses such as crisis management, 雇佣公关公司来处理数据泄露事件, 与法医分析相关的成本, the cost of repairing and restoring computer systems if there is a virus that destroys business software and data, 以及由于数据泄露而造成的业务收入损失.
First-party coverage will insure your business for losses to your own data or lost income or for other harm to your business resulting from a data breach or cyber-attack. 这个保险会赔偿你的业务中断等损失, 通知客户违规的成本, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber-attack. Having this funding available in the event of a crippling hack can keep the lights on till you’re able to resume your normal business operations.
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, 让你的生意无法运作? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Business interruption insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, 例如数据泄露或网络攻击. 企业收入保险涵盖了你本应获得的收入, 根据你的财务记录, 灾难没有发生吗. 该政策还包括运营费用, 像电, that continue even though business activities have come to a temporary halt.
如果您的业务处理敏感的客户数据(如电子邮件列表), 信用卡记录或其他文件), 数据泄露对你的财务稳定构成严重威胁. A lawsuit resulting from a data breach means your business is responsible for paying legal fees, 法院裁定的判决或和解以及其他与法院有关的费用.
Third-party coverage protects you in the event of a lawsuit brought by a customer or partner for a data breach that your business' actions or negligence allowed.
If your business experiences a data breach or violation of confidential information during regular business operations, you may be found in violation of privacy laws and be required to pay fines for the violations or other regulatory issues.
You may be eligible for regulatory claim coverage which would offer protection in response to proceedings related to disclosure laws and other governmental actions that can result in defense costs, 罚款和/或处罚. 覆盖范围各不相同，可能受到当地法律的限制.
如果黑客控制了关键系统, 他们可能会要求支付赎金以避免额外的后果. Sometimes these can be empty threats, but it’s impossible to know for sure. 支付赎金的代价可能很高. Taking a chance by choosing not to pay can sometimes put a company out of business.
Coverage for ransom and cyber extortion can be included in cyber liability policies and can help cover the cost of ransom to regain control of network systems. 这通常不包括在标准策略中, 是否可包括单独的分限额及免赔额, 并可能需要遵守保险公司规定的某些条件.
All of these necessary action steps can lead to a hefty, unexpected cost for your business. 更不用说, dealing with the aftermath of a cyber hack could close your business temporarily, 这可能会导致收入的损失.
除了保护您的业务免受网络风险的财务, 购买网络责任保险也有助于降低潜在风险, because insurers will talk through your current cyber-defenses and identify potential weaknesses that you need to plug.
想为您的企业获得一份网络责任保险? Reach out. 线上最大的娱乐平台随时准备提供帮助!
As an independent agency, we offer multiple options at competitive prices.