Cyber Insurance

Let us help you recover from data breaches.
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Solutions That Uphold Your Reputation

Round out your commercial policy with Cincinnati cyber coverages

Every business, no matter its size, collects and stores personal data about customers, employees and others. Your business relies on computer systems to access and use data for daily operations, putting you at risk of being targeted by harmful cyberattacks. If successful, these attacks could disrupt your operations, cause systems and websites to go down resulting in a loss of sales and damage your customer relationships. 

Customize your commercial insurance or management liability policy with the right cyber security protection that meets your business needs.

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Cincinnati Data Defender

For businesses concerned with data breaches, our Cincinnati Data Defender product automatically includes:

  • Breach response expense and services – Coverage for responding to a data breach, including expenses for assisting all those affected
  • Defense and liability – Financial protection for legal action following a data breach
  • Identity recovery – Reimbursement and personal services to help owners or key employees with recovery following identity theft

Purchase this separately or combine it with Cincinnati Network Defender.

Cincinnati Network Defender

For businesses concerned with cyberattacks, our Cincinnati Network Defender product automatically includes:

  • Computer attack – Coverage to recover from a cyberattack, such as ransomware, including cyber extortion expenses, data and system restoration, lost income and public relations expenses
  • Network security and electronic media liability – Financial protection for legal action following a computer attack or allegations of injuries arising from your electronic communications

Purchase this separately or combine it with Cincinnati Data Defender.

Cincinnati Cyber Defense

For businesses with more complex exposure, our broadest product automatically includes:

  • Breach response expense and services, and reputational harm coverage1
  • Identity recovery protection that provides reimbursement and personal services to help owners or key employees with recovery following identity theft

Increase your Cyber Defense protection by choosing from the following options: 

  • Computer attack – Coverage to recover from cyberattack, including data and system restoration and public relations expenses
  • Loss of business income – Coverage to recover from the financial impacts of a computer attack or system failure2
  • Cyber extortion – Coverage for responding to an extortion threat, such as ransomware, against your systems or data and to retain your own investigator
  • Data compromise liability3 – Defense and liability coverage for legal action you may face as the result of data breach, or as the result of other data handling and data privacy practices
  • Media liability4 – Pays defense and settlement costs if a third-party claimant sues you alleging that your electronic or other communications resulted in defamation, privacy violations, publicity rights or copyright/trademark infringement
  • Network security liability – Financial protection for legal action following a computer attack

1Reputational harm coverage is not available in New York.
2Loss of business income due to system failure is not available in New York.
3Data compromise liability is limited to data breach liability in New York.
4Media liability coverage is limited to electronic media liability coverage in New York.

You can add any of our three cyber risk products to our management liability policies in eligible states. Cincinnati Data Defender and Cincinnati Network Defender are also available on commercial package policies.

Preventative Resources

With a Cincinnati Cyber policy, you also receive preventive resources. Convenient support is available any time through an online cyber risk management portal that provides:

  • online training on data privacy, identity theft prevention and business security.
  • a learning center with expert advice on cybercrime, data security, risk management, and security awareness.
  • risk management tools to assist you in managing data breach exposures and determining the right limits for your need.
  • incident response plan roadmaps.
  • an online directory that connects you to external resources for both before and after a breach. These resources include law firms, public relations firms and IT consultants.
  • a news center that provides articles about cyber risk, security and compliance blogs, security news, risk management events and helpful industry links.

Cyber policyholders receive a one-hour pre-breach call with experienced attorneys and cyber security experts. An optional technical support subscription service is available for assistance troubleshooting, diagnosing and fixing common computer problems, such as finding and removing viruses.

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