Broad cyber coverage designed for digital risks

Rapid Response Services

Provides immediate access to critical resources when facing an incident– including a two-hour legal consultation from a panel provider and support from Coalition Incident Response²–at no cost. Sometimes referred to as Breach Response Services.

Breach Response Costs

Coverage for costs to respond to a breach and help you recover, including incident response, customer notification, credit monitoring, and legal costs.

Ransomware and Cyber Extortion

Coverage for costs to respond to an extortion incident, up to and including payment of a ransom demand.

Direct and Contingent Business Interruption

Coverage for financial losses resulting from a failure in security or systems failure, and the extra expenses incurred to bring the company back online.

Data Recovery and Computer Replacement Costs

Coverage for the costs to replace, restore, or recreate digital assets that are damaged or lost following a security failure, such as a ransomware attack. Sometimes referred to as Digital Asset Restoration.

Crisis Management and Public Relations

Coverage for fees and expenses to mitigate harm to a policyholder’s reputation, including public relations experts, media purchases, and voluntary stakeholder notification costs. Sometimes included under Breach Response Costs.

Proof of Loss Preparation Expenses

Coverage for costs associated with hiring a forensic accounting firm to document a policyholder’s lost income and additional expenses from a disruption in their computer network from a security or systems failure.

Computer Replacement Costs

Coverage for the costs associated with replacing computer hardware whose integrity has been permanently altered by malware (sometimes called “bricking”).

Reputational Harm Loss

Coverage for the lost net profits resulting from an adverse publication concerning a security failure, data breach, or cyber extortion suffered by a policyholder that affects their customers or clients.

Court Attendance

Coverage for reasonable costs and expenses when we request policyholders attend a trial, hearing, deposition, mediation, arbitration, or other proceeding relating to the defense of any claim.

Criminal Reward

Coverage for a reward for information that leads to the arrest and conviction of anyone who commits, or tries to commit, an illegal act related to coverage under our policy.

Funds Transfer Fraud and Social Engineering

Coverage for financial losses incurred from a fraudulent instruction or social engineering that results in a fraudulent transfer of funds.

Service Fraud including Cryptojacking

Coverage for the direct financial losses incurred as the result of fraudulent usage of business services resulting from a security failure.

Impersonation Repair and Phishing

Coverage for a policyholder’s customers’ losses and to help stop the ongoing impersonation of the policyholder to limit future losses.

Invoice Manipulation

Coverage for direct net costs (excluding any profit) for which a policyholder is unable to collect payment as the direct result of their customer being tricked into sending the payment to a fraudster.

Network Security and Privacy Liability

Coverage for defense costs and damages from liability to a third party resulting from a security failure, data breach, or privacy violation. Sometimes referred to as Network and Information Security Liability.

Regulatory Actions

Coverage for defense costs and regulatory fines and penalties resulting from a security failure or data breach (subject to applicable law). Sometimes referred to as Regulatory Defense and Penalties.

PCI Fines and Assessments

Coverage for PCI fines or assessments made against a policyholder resulting from a security failure or data breach.

Funds Transfer Liability

Coverage for defense costs and damages from liability to a third party for fraudulent transfers of funds owed to another party resulting from a failure in the policyholder’s security.

Media Liability 

Coverage for defense costs and damages from liability to a third party for multimedia wrongful acts, such as infringement, defamation, or piracy. Sometimes referred to as Multimedia Content Liability.

Technology Errors and Omissions 

(available for applicable businesses)

Coverage for defense costs and legal liability incurred from errors and omissions related to information technology products and services provided by the organization.

Miscellaneous Professional Liability 

(available for applicable businesses)

Coverage for defense costs and legal liability incurred from errors and omissions related to the insured’s professional services scheduled on the policy.

Vanishing Retention

Eligible businesses that resolve security vulnerabilities in Coalition Control® can see their retentions automatically discounted with each claim-free year—rewarding good security hygiene over time.

Unlimited Reinstatements

The policy limit resets for each separate first-party incident during the policy period— ensuring clients maintain maximum protection regardless of prior incidents.

Bodily Injury and Property Damage - 1st Party

Coverage for losses resulting from bodily injury or damage/impairment to physical property, as well as damages resulting from any liability the policyholder may have to a third party, including regulatory fines & penalties and pollution liability.

Bodily Injury and Property Damage - 3rd Party

Coverage for defense costs and liability incurred when a security failure results in physical damage or injury. 

Pollution

Coverage for defense costs and liability incurred when a security failure results in the release of pollutants.

Reputation Repair

Coverage for advertising, media purchases and consulting costs to help preserve customer confidence and protect the policyholder’s brand reputation. Sometimes automatically included under Breach Response Costs.