What type of business is it good for?

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Offering up to $25M in limits

Non admitted & NY FTZ only

Modifiable for unique exposures and business needs

Streamlined to bring more clarity and contract certainty

Designed for a wider range of sectors and risks

Incident Response

  • Covers broad category of fraud protection & notification services including voluntary
  • Incur loss before consent for first 72 hours

Data Recovery & Bricking

  • Covers costs to recover, repair, replace or recreate data and software and replace bricked hardware
  • Data coverage is not limited to restoration from backups
  • Bricked hardware includes broad list of computing and personal devices and data storage hardware
  • Betterment up to 25%
  • Operational Technology coverage can be added


  • Covers financial loss resulting from cyber crimes including computer fraud, social engineering, diverted receivables, theft of telecom, data transmission and utility services (cryptojacking)
  • Funds transfer fraud can be added
  • Costs to investigate, reverse or correct monetary transfers
  • Authentication requirement on social engineering claims can be deleted

Liability & Regulatory Actions

  • Coverage for civil and regulatory liability because of any failure of security or failure to protect personal or third party confidential information
  • Broad category of protected personal information scales to meet any regulatory requirement
  • Collection, use and handling violations, not limited to a data breach
  • Civil liability for BIPA and biometric information can be added

Tech E&O

  • Tech E&O can be added
  • Unintentional breach of contract
  • Software copyright infringement

General T&Cs

  • Single highest retention if more than one coverage is triggered
  • Rogue employee and imputation and severability conditions geared to preserving coverage

Business Interruptions

  • Covers loss of income and extra expenses because of interruption to the insured’s or a service provider’s network.
  • Waiting Period is a qualifying trigger with dollar retention for middle market & large businesses
  • BYOD, voluntary shutdown & continuing operating costs
  • Non IT service provider coverage
  • Cloud service outage
  • Public utility outage can be added
  • Forensic accounting costs
  • Interim payment of undisputed loss
  • 180 day period of restoration


  • Coverage for ransom demand and related costs to investigate and respond
  • Legal representation to communicate with law enforcement and comply with OFAC and other laws restricting payment of ransom
  • Incur sublimited loss before consent for first 72 hours
  • Information reward reimbursement

Reputational Harm

  • Covers loss of income because of customer attrition and brand harm resulting from adverse publicity from any cyber event
  • Not limited to data breach events
  • 12 month period of restoration


  • Coverage to respond to PCI-DSS violations
  • Triggers for actual or suspected breach
  • Card reissuance and recertification costs
  • Administrative reimbursement costs that are payable by Insured

Media Liability

  • Coverage for media torts arising out of publication and communication in any form including libel, slander, defamation, emotional distress & outrage, infringement of the right of privacy or publicity, infringement of copyright & misappropriation of ideas

Not all insurance coverages or products are available in all states and policy terms may vary based upon individual state requirements. Issuance of coverage is subject to underwriting, and coverage depends upon the actual facts of each claim and the terms, conditions and exclusions of each individual policy. Information on this website is provided for informational purposes only and is not an offer to sell, or a solicitation to buy, any particular insurance product. No insurance product is offered or will be sold in any state in which such offer or solicitation would be unlawful under the laws of such state. Underwritten in the U.S. by AXIS Insurance Company (NAIC # 37273), an Illinois property and casualty insurer, licensed in all 50 states and the District of Columbia, with offices at 111 South Wacker Drive Suite 3500 Chicago, IL 60606. Certain products may be offered by AXIS companies not licensed in some states and therefore may only available through a licensed surplus lines broker.