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Cyber Liability Insurance in PA

Baby on computer researching Cyber Liability insurance

What Is Cyber Liability?

Most notably, but not exclusively, cyber and privacy policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm’s electronic network.

Why Do I Need It?

Cyber hacking is big business, and no one is safe; not individuals, not small businesses and not large corporations. All of your data including the names of your customers, their contact information and the social security numbers of your employees are valuable information to a cyber-hacker. Unfortunately, your business and standard property insurance does not cover this, but cyber liability insurance does.

Even a business interruption insurance policy will not come to your rescue if your systems fail because of a spiteful employee, computer virus or a hack attack. Identity theft, telephone hacking, and phishing scams are very real possibilities and not covered by traditional business interruption policies. Cyber insurance may cover the loss of profits because of a system outage that is caused by a non-physical danger such as a virus or attack.

You can be held liable if you lose your third party data. If you offer non-disclosure agreements and commercial contracts that contain warranties about security – and your data is breached – you could have expensive damage claims.