Broad cyber coverage designed for digital risks
Protection built by cyber experts that prevents risks and accelerates recovery
3rd Party Liability Coverages
Network & Information Security Liability Regulatory Defense & Penalties Multimedia Content Liability PCI Fines & Assessments | We cover the expenses to defend you and any damages resulting from your liability to a 3rd party, or for regulatory fines & penalties, multimedia wrongful acts (such as infringement, defamation, piracy, etc.), and PCI fines & assessments resulting from a failure in your security, data breach, or privacy violation. |
|---|---|
Bodily Injury & Property Damage - 3rd party | We pay for the costs of defense and damages from your liability to a 3rd party when a failure in your security results in physical damage or injury. |
Technology Errors & Omissions | We pay for the costs of defense and damages from your liability to a 3rd party when the failure of your technology service or product is the cause of loss. |
1st Party Liability Coverages
Computer Replacement | We cover the costs to replace your computer systems that are permanently impacted by malware. |
|---|---|
Fund Transfer Fraud | We pay for funds transfer losses you incur from a failure in your security or social engineering. |
Service Fraud | We pay for the additional amounts you're billed by a cloud or telephony provider when you incur fraudulent charges. |
Digital Asset Restoration | We pay for the costs to replace, restore, or recreate your digital assets that are damaged or lost following a failure of your security. |
Business Interruption & Extra Expenses | We cover financial losses resulting from a failure in your security, data breach, and even systems failure, as well as the extra expenses you incur to bring your company back online. |
Cyber Extortion | We cover the costs to respond to an extortion incident, including money, securities, and even virtual currencies paid. |
Breach Response Crisis Management & Public Relations Reputation Repair | We pay for the costs to respond to a breach including 3rd party incident response and public relations experts, customer notification costs and credit monitoring, media purchases, and legal fees; and advise in connection with the incident, among others. |
Broad coverage to protect your entire business
Worldwide Coverage
Protect your data and assets no matter where they happen to be.
Cyber Terrorism
Each of our coverages includes protection from acts of cyber terrorism.
Coverage for all Devices
Coverage for all of your IoT devices is included by default.
Social Media
Coverage for all of your social media accounts is included by default.
Not all insurance policies are created equal
Coverage | Coalition | Others |
|---|---|---|
|
|
|
|
(See Enhancements Below) |
|
|
|
Sometimes (Sublimited) |
|
|
Sometimes |
|
|
|
|
|
|
|
|
Sometimes |
|
|
|
|
(See Enhancements Below) |
|
|
|
|
|
|
|
|
(See Enhancements Below) |
|
|
(No Sublimit) |
|
|
(See Enhancements Below) |
|
|
(See Enhancements Below) |
|
Enhancements | Coalition | Others |
|---|---|---|
GDPR and CCPA coverage |
|
Sometimes |
MFA Retention Reduction |
|
|
Pre-claims Assistance |
|
|
Covers all Prior Acts |
|
Sometimes |
Systems Failure |
|
|
Waiting Period |
As low as 1 hour |
8+ hours |
Business Services Costs |
|
|
Cost of System Upgrades |
|
|
Reputation Repair |
|
Sometimes |
BYOD Coverage |
|
|
Social Media / IOT Coverage |
|
Sometimes |
Cybersecurity Apps |
|
|
Coverage for Free Apps / Technologies |
|
Sometimes |
Summary Only. Please read our Policy for all coverages, terms, exclusions, and conditions.
Coalition’s products are offered with the financial security of Allianz Group* (A.M. Best A+ rating), Arch Specialty Insurance Company (A.M. Best A+ rating), Ascot Group** (A.M Best A rating), Fortegra Group (A.M. Best A- rating), Lloyd’s of London (A.M. Best A rating), Swiss Re Corporate Solutions*** legal entities (A.M. Best A+ rating), Vantage Risk Specialty Insurance Company (A.M. Best A- rating), and Chaucer Insurance Company DAC (A.M. Best A rating).
