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Cyber Liability CoverageRegulatory Risk CoverageErrors & Omissions Coverage

ProSecure is an extension to CyberAssurance Plus, providing physicians with higher cyber liability limits plus coverage for errors and omissions, and regulatory risk protection.

ProSecure coverage is designed for physician practices, hospitals, and healthcare facilities insured with ProAssurance. You can select one or more options, all at competitive rates.

ProAssurance has collaborated with Tokio Marine HCC to o� er ProSecure coverages.*

*Policies are underwritten by Tokio Marine HCC.

FOR PHYSICIAN PRACTICES, HOSPITALS, & HEALTHCARE FACILITIES

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Flexible cyber coverage extensions that help you adapt to ever-changing healthcare risks

Cyber Liability CoverageWith this enhanced cyber liability protection, you receive higher limits for the following coverages above those provided in your CyberAssurance® Plus coverage (which is provided at no additional charge with your ProAssurance policy):

• Network Asset Protection Coverage—amounts incurred to recover and/or replace electronic data that is compromised, damaged, lost, erased, or corrupted.

Also includes a sublimit for Dependent Business Interruption Loss—business income loss and interruption expenses incurred as a result of a total or partial interruption of a computer system operated by a BPO Service Provider or outsourced IT provider.

• Multimedia Liability Coverage— claims alleging copyright/trademark infringement, libel, slander, plagiarism, and personal injury resulting from dissemination of electronic or non-electronic media material.

• Cyber Extortion Coverage—extortion expenses incurred and extortion monies paid as a direct result of a credible cyber extortion threat.

• Cyber Crime Coverage—loss of money or securities incurred due to financial fraud; charges incurred for unauthorized calls resulting from use of the insured’s telephone system; expenses incurred to notify customers of phishing schemes that impersonate the Insured or the Insured’s brands, products or services, and the costs of reimbursing customers for loss they

sustain as a result of such phishing schemes. Cyber Crime Coverage has a $100K sublimit and a $2,500 retention.

• PCI DSS Assessment Coverage—assessments, fines, or penalties imposed by banks or credit card companies due to non-compliance with the Payment Card Industry Data Security Standard (PCI DSS) or payment card company rules.

• BrandGuard ® Coverage—loss of net

profit incurred as a direct result of an adverse media report or notification to affected individuals following a security breach or privacy breach.

• NEW Bodily Injury Coverage Extension—claims alleging bodily injury resulting from a privacy breach or security breach. Bodily Injury Coverage has a $250K sublimit and a $1,000 retention.

• Privacy Regulatory Defense and Penalties Coverage—regulatory fines and penalties and/or regulatory compensatory awards incurred in privacy regulatory proceedings/investigations brought by federal, state, or local governmental agencies.

• Breach Event Costs Coverage—reasonable and necessary mitigation costs and expenses incurred as a result of a privacy breach, security breach, or adverse media report.

Includes coverage for Proactive Privacy Breach Response Costs—public relations expenses incurred in response to a privacy breach, but prior to the publication of an adverse media report.

Also includes coverage for Voluntary Notification Expenses—expenses incurred in notifying affected parties of a privacy breach where there is no requirement by law to do so.

Qualifications:

• Available only to physicians with medical professional liability coverage through ProAssurance

• Must not have experienced any cyber or privacy-related claims or incidents in the last five years

• Must have a firewall and anti-virus system in place

• Must be a solo physician practice or medical group

• Contact the Tokio Marine HCC—Cyber and Professional Lines Group for risks that are outside of these requirements

• Security and Privacy Liability Coverage—claims alleging liability resulting from a security breach or privacy breach, including failure to safeguard electronic or non-electronic confidential information or failure to prevent virus attacks, denial of service attacks or the transmission of malicious code from the insured’s computer system to the computer system of a third party.

When you combine ProSecure Cyber Liability and Regulatory Risk coverages, you benefit from a shared-limit premium discount.

FOR PHYSICIAN PRACTICES, HOSPITALS, & HEALTHCARE FACILITIES

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Cyber Liability CoverageRegulatory Risk CoverageErrors & Omissions Coverage

You want an insurer that listens, understands, and makes it easier for you to secure the protection you need for today’s practice of medicine. ProSecure coverages help address the challenges you face in an ever-changing healthcare environment.

With over 40 years of healthcare professional liability experience, we understand the challenges of managing a medical practice. That’s why these important options are designed to help you reduce uncertainty and increase the control you experience.

YOU...Treated Fairly

Professional Liability Insurance & Risk Resource ServicesProAssurance.com/ProSecureM2473_5

Find out how ProSecure coverages can help you reduce uncertainty and increase the control you experience.

Contact your ProAssurance agent for more information. To locate an agent, visit ProAssurance.com or call 800-282-6242.

Regulatory Risk CoverageThis coverage provides you with extra protection that works seamlessly with baseline coverage already included in your ProAssurance professional liability policy. You and your medical practice are covered for regulatory fines and penalties, as well as defense costs related to:

• Actual or alleged billing errors—including proceedings brought by governmental agencies, qui tam plaintiffs, recovery audit contractors (RAC) working on behalf of the government, and commercial payors

• Medical regulatory violations— patient privacy (HIPAA), Emergency Medical Treatment and Active Labor Act (EMTALA), and Physician Self-Referral (STARK Law)

Errors & Omissions CoverageIf you’re a physician providing services for a third party (such as consultative services), or a medical director providing administrative duties for a third party, a ProSecure E&O (Errors and Omissions) policy addresses your unique risks. You receive coverage for a wide range of healthcare consultant exposures that do not involve direct patient contact.*

These include, but are not limited to:• Expert witness• Independent medical review• Disability evaluation *Please see the relevant policy language for

complete terms and conditions.

FOR PHYSICIAN PRACTICES, HOSPITALS, & HEALTHCARE FACILITIES