Cyber Home
Advantage Privacy
01
CHAP

A turn-key product and service offering that enables insurance companies to offer first and third party cyber insurance to their personal lines policyholders.

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Internet Security
And Privacy
02
ISAP

A commercial cyber program designed for small to midsize businesses with robust first and third party insurance coverages, services, and claims handling.

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Online
Banking Theft
03
OBT

A cyber and crime insurance product designed for small to midsize businesses that covers loss of funds from a bank account take-over and wire transfer fraud.

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Farmowners Cyber
Liability
04
FARM

A Cyber Endorsement specifically crafted for farming operations needing a blend of both personal and commercial cyber protection.

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Bolt-On Cyber Coverage

CHAP
Endorsement can attach to:
  • - Homeowners
  • - Renters
  • - Other personal lines products
ISAP

Endorsement can attach to:

  • - GL
  • - E&O
  • - Other commercial lines products
OBT
Can be included in the commercial lines ISAP
FARM
Endorsement can attach to:
  • - Personal lines products
  • - Other commercial lines products
All endorsements can act as stand alone companion products.

Why offer it?

Most businesses and homeowners don’t know what to do when there is a breach or problem. Our products are designed so that insureds have access to CyberScout’s hotline to get the assistance they need.

CHAP

Identity theft is growing and individuals are prime targets. Homeowners can get sued for transmitting a computer virus to a third party as well as losing Personal Information in their care, custody and control.

ISAP

Millions of small to medium size businesses have to deal with business interruption, incident response costs, financial penalties, regulatory scrutiny and reputational damage following a cyber incident. All of these could be serious threats to a business revenue or even survival.

OBT

The Ponemon Institute estimates that more than 85% of small and medium-sized businesses conduct online banking. Business bank accounts are not protected under Regulation E of the FDIC statute or equivalent applicable legislation. OBT is a cyber and crime insurance product that covers loss of funds from a bank account takeover and wire transfer fraud. OBT can be offered as either a stand-alone product or bolt-on endorsement for the commercial lines ISAP.
 

FARM

The agricultural sector is undergoing a technology revolution called “smart farming” that involves the application of modern Information and Communication Technologies (“ICT”) into agriculture production. We provide data coverage for any device used for farming that is connected to the internet.

How it works

1

Information

Provides coverage forms, underwriting, rating & training
1
1

Insurer

Offers bolt-on coverage to their policies
Up to 100% quota share reinsurance & “A” rated by A.M. Best and S&P
1

Insured

Receives broader coverage and pre- and post-loss services

Provides claims handling, breach training, and identity recovery