BBR Limit

BBR includes two separate towers of coverage which are outside the policy's aggregate limit of liability:

• Tower 1 (up to $2.5 million): legal services, computer expert services, PCI forensic investigator, crisis management and public relations
• Tower 2 (up to 5 million notified individuals): notification, call center, and credit and identity monitoring services

With BBR Boost, if the limits of either tower 1 or 2 are exhausted in responding to a breach, the policy will cover the additional breach response services costs via the limit available in the third tower of coverage, policy aggregate limit of liability (up to $15 million). Tower 3 is a single limit of liability and will be eroded by covered third party, first party loss and “boost” payments. The limit available for “boost” payments will be limited by any prior erosion of the aggregate limit of liability.

With BBR Boost, policyholders will continue to have outside of limits coverage for responding to a breach but, in addition, they will also be able to use the policy’s entire aggregate limit of liability to cover the costs of responding to a breach.