About This Coverage

Cyber Liability covers a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network.

State Eligibility


Eligible State

State Not Available

Industries Available


  • Agriculture

  • Mining

  • Utilities

  • Construction

  • Manufacturing

  • Wholesale Trade

  • Retail Trade

  • Transportation and Warehousing

  • Information

  • Finance and Insurance

  • Real Estate Rental and Leasing

  • Professional, Scientific, and Technical Services

  • Management of Companies and Enterprises

  • Administrative and Support

  • Educational Services

  • Health Care and Social Assistance

  • Arts, Entertainment, and Recreation

  • Accommodation and Food Services

  • Other Services except Public Administration

Coverage Limits


Up To

$20M

Minimums


Key Features


  • Limits available up to $20M for select risks
  • Both First and Third Party coverages available
  • Excess Cyber is available for clients requiring high limits
  • Defamation, libel or slander
    • Invasion of an individualís right of privacy
    • Plagiarism or misappropriation of ideas under an implied contract
    • Infringement of any copyright, trademark, title, service mark
    • Domain name infringement
  • Reimbursement for extortion expenses resulting directly from a credible threat to the insured's computer system
  • Loss resulting from damage to or corruption of the insured's electronic data and computer programs
  • Income reimbursement during the period of restoration of the insured's computer system
  • Customer notification, regulatory fines and penalties, and public relations expenses
  • Legal liability for a security breach or privacy breach of employees' PII or PHI
  • Legal Liability for a security breach or privacy breach resulting from alleged violations of HIPAA and other privacy protection laws/regulations (state, federal or foreign)

Preferred Classes


  • Healthcare
  • Hospitality
  • Insurance Agency
  • Manufacturer
  • Non-Profit Organization
  • Private School
  • Professional Service
  • Religious Organization
  • Retail

Restricted Classes


  • Adult Content
  • Casino/Gambling
  • College/University
  • Data Warehousing/Data Broker
  • Lottery
  • Mortgage Lender
  • Municipality
  • Public School District

Eligible Vehicle Types


Trucks

Trailers

Vans & PPVs

Liability Coverages


Underwriting Guidelines


Additional Coverage Options


Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • Existing Business, Provide 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com