A data breach can happen to anyone. Whether it's the result of an accident — a lost flash drive, an email sent to the wrong person, a discarded file — or malicious intent, you can be held liable for the damages. These can include regulatory fines, notifying all potential victims, immediate remediation costs, responding to any claims or lawsuits resultant from the breach, and more.

Overview

e-dataRESPONSE+ cyber liability coverage is offered through MEDICAL MUTUAL's subsidiary, Professionals Advocate. This coverage can provide meaningful protection and reimbursement in case of a data breach. In addition to helping you navigate the complex legal response of a breach and covering out-of-pocket expenses that may result from the breach, e-dataRESPONSE+ adds the extra protection of cyber liability coverage in the event of a claim or lawsuit. 

First Party Liability Coverages

Key Coverage Features

• Virus and malicious code coverage
• Unauthorized access of physically lost or stolen data storage devices
• Electronic and paper records
• Payment card breach (No sublimit)
• Regulatory imposed civil fines or penalties (HIPAA)(Subject to sublimit, may not be fully covered)

Breach Notice Services Coverages

• Credit and fraud monitoring (One year)
• Expenses to comply with breach laws
• Legal services
• Forensic services
• Notice fulfillment services
• Breach notice response service

Third Party Liability Coverages

Security Breach Liability Coverages

• Virus and malicious code coverage
• Unauthorized access/use
• Breach of service provider system
• Inside criminal activity
• Denial of service attack
• Theft/loss of data on computer system
• Extra expense to recover from breach

Privacy Liability Coverages

• Theft or loss of PII
• Negligent privacy violation, Correction to PII
• Negligent privacy violation, Access to PII

Protect your practice from accidental or malicious privacy breach. Contact your Producer or call MEDICAL MUTUAL/Professionals Advocate directly at 800-492-0193.