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Cyber and Privacy Breach Coverages

Privacy Breach Expense

• Legal• Forensic investigations• Crisis management• Notification• Call centre support• Credit monitoring• Fraud remediation• PR assistance

1st Party• Data Restoration/Data

Recreation/Digital Asset

• Business Interruption• System/Admin Failure• Computer Fraud

Cost/Fund Transfer Fraud

• Cyber Extortion• Virus Removal

3rd Party (Liability)• Defense and

settlement costs• Fines• Penalties• Network Security• Media Liability• Defamation

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Hacking

• SQL Injection

• Phishing

• Spear Phishing

• Denial of Service attack

• Keyloggers

• Ransomware

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Storage Devices

Lost, Stolen, or Accessed

• Laptop

• Cell phone or Tablet

• Flash drive

• Data Servers or Tapes

• Printer/Copier/Scanner

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Breaches Caused by Vendors

• Payroll

• Employee Benefits

• Outsourced IT

• Cloud Provider

• HVAC

• Cleaning Services

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Employees

Unintentional

• Clicking on bad link

• Visiting bad websites

• Leaving Access Open

• BYOD - Virus

Intentional

• Rogue Employees

• Fraud Rings

• Unauthorized Access

• Criminal Activity

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Paper Files

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Breach Cost Examples

Expenses

Legal Cost - $12,062 Total Cost - $31,373 cost per record of $1.75

Covered under policy subject to $1,000 retention

Remediation plan resultsPrinting/Mailing to 17,860

individuals $7,441612 called in to ask questions

$4,284 1147 signed up for monitoring

product $7,586

IDT911 Involvement 270 phone calls and emails between client, claims

and IDT911 Call Handling, Credit monitoring only

Breach for a member-based insurance provider17,860 individuals affected name, address, SSN, phone number, health

information

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Breach Cost Examples

Expenses

Total Cost - $111,859 cost per record of $10.98 Covered under policy subject to $50,000 retention

Remediation plan resultsPrinting/Mailing for 10,185

individuals $13,1451,173 individuals called in

$8,2112,097 signed up for monitoring

product $90,503

IDT911 Involvement 383 phone calls and emails between client,

claims and IDT911Call Handling, multi-year monitoring product, fraud

remediation service

University owned laptop was stolen10,185 individuals affected Name, SSN