{"id":7055,"date":"2021-06-18T14:53:39","date_gmt":"2021-06-18T20:53:39","guid":{"rendered":"https:\/\/mulleninsurance.com\/?p=7055"},"modified":"2022-02-08T06:21:17","modified_gmt":"2022-02-08T12:21:17","slug":"cyber-liability-insurance","status":"publish","type":"post","link":"https:\/\/mulleninsurance.com\/cyber-liability-insurance\/","title":{"rendered":"Cyber Liability Insurance"},"content":{"rendered":"\t\t
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Cyber Liability Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\tAnn Mullen\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tPresident at Mullen Insurance Agency, Inc. - Garland, Texas\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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What is Cyber Liability Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Cyber-Liability \u2013 Just the word has a science-fiction sound and feel to it!\u00a0 Add the bitcoin ransom requests we hear about every day and I wonder if I have entered some sort of Twilight Zone.\u00a0 <\/span><\/i>Be that as it may, the truth is <\/span>every business, large, small and in-between, is subject to some sort of cyber liability claim.<\/span><\/i><\/p>

If you use a computer to send, receive or store electronic data, your business is at risk.\u00a0 Tax records, company documents, customer information, etc., all such data can be lost, damaged or stolen.\u00a0 Most of us have our employees\u2019 information stored: social security numbers, health records, maybe even credit card numbers.\u00a0 Regardless of how the information is lost, restoring it is likely to be both time consuming and difficult.\u00a0 Bad enough to think about losing our data, but that thought can quickly morph into a nightmare when we realize that a data breach can be the onset of third-party claims and\/or lawsuits.\u00a0\u00a0\u00a0<\/span><\/p>

Deciding what to do about our cyber loss exposures is the question, not if we have any exposures.\u00a0\u00a0<\/span><\/p>

Cyber liability insurance does not come in a uniform policy, but rather most companies have created their own specific set of coverages and endorsements.\u00a0 \u00a0 Some contracts include both first-party and third-party protection.\u00a0 Typically, contracts provide a range of coverages, some automatic and some by requested endorsement.\u00a0 So, the best for us to approach this discussion is via some policy term definitions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Let's Take a Look at the Cyber Liability Policy Term Definitions:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Data Restoration<\/b>:<\/span>\u00a0 This is a primary protection area that you will want to discuss with your agent.\u00a0 What will your policy pay toward the cost to replace and\/or restore electronic data.\u00a0 We are talking about data, programs, software, etc. damaged or destroyed by hacker or a virus or other named peril within the policy.<\/span><\/p>

Cyber Extortion:\u00a0 <\/b>\u00a0That is big one that we are hearing about right now and we often think of the \u2018big\u2019 companies subject to this type of loss.\u00a0 Not so!\u00a0 I\u2019ve known some small, one-person operations where their computer was hacked, commandeered and a $5,000 ransom required to release the data.\u00a0 According to \u201960 Minutes \u2013 June 6 broadcast- it has become so widespread that the \u2018bad guys\u2019 can go on the web and <\/span>rent<\/span><\/i> the necessary apps to effect a data breach.\u00a0 Further to the \u201960 Minutes\u2019 piece, some -if not most of the hackers- use a standard ransom demand, but are willing to negotiate down to whatever the \u2018kidnapped\u2019 computer owner can pay.\u00a0 If there were any good news in that story, it was the nearly 100% of time, once the ransom is paid, the data is released. \u00a0 The majority of the cyber liability policies will cover any extortion payment made within the insurer\u2019s consent plus related expenses \u2013 such as the cost of hiring an expert negotiator to negotiate with the extortionist.<\/span><\/p>

Loss of Income and Extra Expenses: <\/b>\u00a0This definition can become very specific in some insurance contracts.\u00a0 It, of course, largely means what income you lost while attempting to restore your data system, as well what it cost to restore operations to normal. \u00a0 Some policies, have an itemized list of expenses they will consider; others require the back-up to verify the loss of income.<\/span><\/p>

Crisis Management:<\/b> \u00a0 Some amount of Crisis Management is pretty consistently included in most cyber liability products; however, the level of protection varies significantly among the conveyances.\u00a0 They can be broad enough to include the cost of hiring an attorney, a forensic accountant, a computer expert or even public relations expert to assist in assessing damages, sorting out what data was compromised, as well as mitigating the damage to the company\u2019s reputation.<\/span><\/p>

Notification Costs:<\/b>\u00a0 Too often insureds don\u2019t consider the cost of notifying the people whose information has been compromised.\u00a0 It sometimes comes as a surprise to the insured that most states have laws in place that require businesses to inform every individual who was likely injured by the data breach.\u00a0 Some\u00a0 insurer\u2019s go so far as to provide for the cost of providing credit monitoring services for affected parties.<\/span><\/p>

There are a few items typically found in the more complex policies particularly attractive to larger corporations: <\/span>Network Security & Privacy Liability –<\/b>to cover claims caused by negligent acts, errors or omissions.\u00a0 <\/span>Electronic Media Liability \u2013 <\/b>to cover lawsuits involving libel, slander, invasion of privacy, domain name infringement, etc. <\/span>Regulatory Proceedings \u2013 <\/b>to cover fines, penalties imposed on businesses by regulatory agency; typically would also include the cost of an attorney to respond to the regulatory authority.<\/span><\/p>

Perhaps, what is equally important is what is not covered by the cyber liability contract:\u00a0 Bodily Injury; property damage, Intentional dishonest acts by the insured; war, terrorism, contractual liability, utility failure, cost restoring computer systems to a higher degree of functionality; acts committed prior to policy inception or retro-active date.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Will Your Business Recover From A Cyber Attack?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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BOTTOM LINE: Every business should review their exposure to cyber liability losses AND, if their insurance budget allows, purchase, at least, a minimum cyber liability package.<\/b><\/span><\/em><\/p>

There are currently on the markets now $250,000 cyber liability packages, available to Texas Independent Auto Dealers at an annual cost o $300 <\/span>when purchased in conjunction with a garage liability policy.\u00a0 <\/span><\/i>\u00a0These small basic contracts require very little application effort and are purchased with fully earned premiums.\u00a0 There are also contracts that provide broad coverages and can reach limits of $10,000,000 or more. \u00a0 Maybe it is time to discuss your options with your insurance agency.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Do not hesitate to contact me.\u00a0 I\u2019m eager to receive your feedback, questions and comments.\u00a0 If you have specific subjects or insurance concerns you would like to see discussed here, please let me know. \u00a0amullen@mulleninsurance.com<\/a>\u00a0or\u00a0www.mulleninsurance.com<\/a>.\u00a0<\/p>

If you\u2019d like additional information on insurance for your business or you\u2019d like to request a quote, please visit\u00a0https:\/\/mulleinsurance.com\/#Insurance-quote<\/a>\u00a0or give us a call at\u00a0972-681-6297<\/strong>.<\/p>

Ann Mullen-Martin
President
MULLEN INSURANCE AGENCY, INC<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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If you found this article helpful, feel free to share it with others using the buttons below for social media, email or to print a copy.<\/span>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Cyber-Liability \u2013 Just the word has a science-fiction sound and feel to it! Add the bitcoin ransom requests we hear about every day and I wonder if I have entered some sort of Twilight Zone. Be that as it may, the truth is every business, large, small and in-between, is subject to some sort of cyber liability claim.<\/p>\n

If you use a computer to send, receive or store electronic data, your business is at risk. Tax records, company documents, customer information, etc., all such data can be lost, damaged or stolen. Most of us have our employees\u2019 information stored: social security numbers, health records, maybe even credit card numbers. Regardless of how the information is lost, restoring it is likely to be both time consuming and difficult. Bad enough to think about losing our data, but that thought can quickly morph into a nightmare when we realize that a data breach can be the onset of third-party claims and\/or lawsuits. <\/p>\n

Deciding what to do about our cyber loss exposures is the question, not if we have any exposures. <\/p>\n","protected":false},"author":7,"featured_media":7060,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"disabled","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"disabled","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[50],"tags":[],"class_list":["post-7055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyber-liability-insurance"],"yoast_head":"\nCyber Liability Insurance - Mullen Insurance Agency in Garland, TX<\/title>\n<meta name=\"description\" content=\"Cyber attacks & ransomware are at an all time high. Is your business protected? This article provides the information to help protect your business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/6j7.222.myftpupload.com\/cyber-liability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cyber Liability Insurance - Mullen Insurance Agency in Garland, TX\" \/>\n<meta property=\"og:description\" content=\"Cyber attacks & ransomware are at an all time high. Is your business protected? 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