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    Cyber Protection Coverage

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    Protection for a connected world

    Cyber criminals are becoming more aggressive and their attacks more sophisticated. From email scams and identity theft, to cyber bullying  and tax fraud, online threats are growing in size and complexity. Our cyber endorsement offers coverage for financial losses from cyberattacks.

    Examples of real-life cyber threats:

    1. Ransomware

      You download an app to watch a movie. The app turns out to be malware and halfway through the film, your laptop freezes and a screen appears demanding a ransom be paid in order to restore functionality.

    2. Cyber bullying

      Your child is targeted online by other students who post unflattering pictures and jokes on social media at his or her expense. You repeatedly try to have the posts removed, but your child student is forced to leave school due to the intimidation and emotional distress resulting from cyber bullying.

    3. Data leak

      One of your favorite online stores is breached and your personal contact information, birth date, password, and other sensitive information is accessed by hackers, raising the possibility of identity theft.

    4. Phishing

      You receive an email from what looks like your favorite charity's email address, asking you to click a link to send a donation. You didn't realize it was in fact a fake link and now you're out $100.

    What cyber protection covers:

    1. Expenses incurred because of identity theft, including lost wages, daycare or eldercare costs and travel expenses incurred in seeking resolution and identity restoration.

    2. Financial loss and expenses incurred due to credit fraud, forgery or cyber crime, including the use of stolen personal information to initiate a fraudulent wire transfer.

    3. Data recovery expenses and system restoration costs incurred as a result of a cyber attack.

    4. Ransom monies and associated costs and expenses incurred due to a cyber extortion threat, including ransomware.

    5. Expenses incurred as a victim of cyber bullying, including the cost to seek counseling, childcare or caregiver expenses, temporary relocation and lost wages.

    6. Breach notification and credit monitoring costs incurred when the personal data of others is stolen, lost or exposed while entrusted to the policyholder.

    7. Legal expenses and damages incurred in lawsuits brought against the insured alleging liability for cyber bullying or privacy breaches.

    Not sure where to start?

    You don't have to make this decision alone. Contact a Northern Neck Insurance expert today to help pick the plan that's right for you.

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    Chris

    Chris C.

    Independent Insurance Agent

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