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Cyber risks are enterprise risk issues that require enterprise risk management solutions. With Chubb’s Cyber ERM policy, you have access to a distinctive level of cyber protection that only Chubb can offer: market-leading cyber insurance backed by the financial strength of Chubb’s AA+ balance sheet, accompanied by extensive loss mitigation and incident response services.
Coverage Highlights
Competitive Advantages
Leading provider of cyber risk solutions since first product was launched in 1998
Coverage incorporates insight gained from years of claims and underwriting experience
Extensive claims experience – helped notify more than 300 million individuals of a privacy breach
Highly customizable solutions to address the unique needs of individual risks of all sizes and across all industries
Cybercrime coverage is available by endorsement or under separate cover from Chubb’s industry-leading Fidelity and Crime products
Covers Cyber Incident Response Expenses, with expansive consumer-based solutions that are ahead of regulatory requirements
No minimum premiums; premiums scale for all risk sizes based on scope of coverage and limits
Most risk classes eligible for at least $10 million in limits; maximum capacity of $100 million available through Chubb’s Global Cyber Facility
Backed by the financial strength of Chubb’s A++ balance sheet
Key Features
Industry-leading coverage designed to address evolving regulatory, legal and cybersecurity standards and built to consider future changes
Easy-to-read form:
Structure aligned with the flow of a typical incident
Presentation of Cyber Incident Response Expenses aligned with the typical flow of decision-making throughout an incident
Clearly labeled exclusions with competitive carve-backs
Payment Card Loss coverage built into the base form
Discovery-based coverage at a Control Group level
Includes enhanced Business Interruption and Extra Expense language
Broadened definition of Protected Information includes biometrics, internet browsing history and personally identifiable photos and videos
Extortion Expenses explicitly include Bitcoin and other cryptocurrencies
Coverage Territory applicable to anywhere in the universe to address continued evolution of hosting and data storage
Target Client
Chubb’s Cyber ERM policy offers a distinctive level of protection to any organization that owns or manages sensitive customer or employee information, third party corporate information, a computer network or a website. This includes clients of all sizes and across all industries. Chubb’s expansive cyber appetite even includes industries that have experienced the greatest frequency of cyber incidents, including healthcare, financial institutions and retail.