PERSONAL CYBER INSURANCE
WHAT DOES THIS COVER?
CYBER EXTORTION
When your laptop is hacked and you can’t access it unless you pay someone in the form of cash or digital currency. Or someone accesses your personal data and threatens to release it publicly unless you pay them.
CYBER BREACH OF PRIVACY
When your reputation is hurt because private personal information or false information is published online about you.
IDENTITY THEFT
When someone steals your identity and takes out a bunch of loans or credit cards, or applies for unemployment under your name.
CYBER FINANCIAL FRAUD
Cash is stolen digitally out of your bank account. You find fraudulent charges on your debit card. Your tax refund is paid to someone pretending to be you.
CYBER BULLYING
When someone harasses your child online. Cyber insurance may help pay for psychiatric services, tutoring, and if needed, relocation services.
ELECTRONIC DATA RESTORATION
When a hacker accesses your computer and deletes or corrupts your data. Or when you accidentally download malware that deletes or corrupts your data. Cyber insurance may help pay to restore it.
DECEPTIVE TRANSFER FRAUD
When you receive a fraudulent invoice from someone pretending to be a person or entity you do business with, misleading you into transferring cash or investments to them .
CYBER DISRUPTION
When your home automation system is hacked and you have to temporarily find another place to live.
ELECTRONIC DEVICE REPLACEMENT
When someone is fixing your computer and installs the wrong program, making your computer unusable.
The coverage examples described here are hypothetical claim scenarios and are intended to show the types of situations that may result in claims. These scenarios are not based on actual claims and should not be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.
WHAT'S NOT COVERED?
PRIOR KNOWLEDGE
Losses resulting from circumstances that you knew about prior to first having continuous cyber coverage provided by us.
CONFISCATION
Losses resulting from a government or public authority taking or destroying your property.
INSOLVENCY
Losses resulting from a financial institution’s financial difficulties or restructuring.
TRAVEL RESTRICTION
Losses you experience while in a place designated as a “Do not travel” area by the United States Department of State, Bureau of Consular Affairs, whether or not the loss is directly related to or in the location of such travel.
ACTS OF CERTAIN PEOPLE
Losses resulting from a malicious or fraudulent act, including a cyber attack, by a family member, current or former guardian, current or former spouse/domestic partner, anyone who currently lives or previously lived with you, or anyone acting on behalf of these individuals. Also excludes losses resulting from a cyber bullying occurrence by an employer or coworker, or losses resulting from anyone acting on behalf of a civil authority.
DIGITAL CURRENCIES
Losses resulting from any activity involving digital currency that is not authorized by a sovereign government as part of its currency, such as Bitcoin and Ethereum, except where digital currency is paid to extortionists as ransom under the Cyber Extortion coverage part.
LIABILITY TO OTHERS
Losses resulting from property damage or personal injury that affects others, and for which you may be legally liable or responsible, except for costs covered under the Cyber Financial Fraud coverage part.
PROPERTY DAMAGE
Losses resulting from physical injury to, or the destruction of, physical property, or your resulting inability to use that property.
BUSINESS ACTIVITIES
Losses resulting from business activities, except for losses resulting from a cyber attack that interrupts your incidental business that you run in whole or in part from your home.
WIDESPREAD EVENTS
Losses resulting from a widespread cybersecurity event like a cyberattack or a security failure. The event could affect you as well as people and businesses you’re not connected with. A widespread event can be caused by the actions of an individual or a group.
PURSUIT OR HOLDING OF PUBLIC OFFICE
Losses resulting from running for or holding an elected public office.
INVESTMENT, GAMBLING, AND TRANSACTIONAL LOSSES (EXCLUDED UNDER THE CYBER FINANCIAL FRAUD AND DECEPTIVE TRANSFER FRAUD COVERAGE PARTS)
Losses you experience when your investments decrease in value; someone misleads you about the value of a product, service or investment; someone doesn’t pay a loan you made to them; someone fails to perform as agreed by contract; the US Postal Service or a courier service loses money; financial securities, or physical property, a product or service you purchased fails or malfunctions; or gambling losses.