Coverage

BBR is unique in offering a comprehensive services-based solution to data breaches. We know that when an organization suffers a cyber breach, its first concern is to handle the breach in a way that maintains customer confidence. That’s why BBR provides privacy breach response services for up to 5,000,000 individuals affected by a breach. In addition, you will be able to use all of the policy’s multiple limits to respond to a breach.

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Privacy breach response services

Legal and computer forensic services from a panel of experts to help determine the extent of the breach and the steps needed to comply with applicable laws or regulations
Notification to persons who must be notified under applicable law
When a breach does not trigger any legal duty to notify, coverage includes discretionary notice to individuals potentially affected by the breach
Resolution and mitigation services, including credit monitoring and identity monitoring solutions.
Identity theft-related fraud resolution services for individuals enrolled in credit monitoring who become victims of identity theft
As an alternative to credit monitoring, the insured may select to offer identity monitoring, including fraud support services for enrolled individuals, and other fraud prevention services
All of the policy’s multiple limits will be available for breach response.

BBR limit of coverage and retentions

A separate dedicated limit of up to $2.5M for public relations, crisis management expenses, computer expert services and legal services
The breach response limit of coverage is available for up to 5,000,000 notified individuals per policy period. Other limit options are available and may be provided
A separate sublimit of coverage for fines and penalties resulting from noncompliance with published payment card industry (PCI) data security standards. Also, foresenic coverage includes coverage for PCI re-certification expenses following a breach
A key feature of privacy breach response services is that they are provided with per incident retentions starting as low as $5,000 for legal services. For select accounts, a zero retention option is available
Credit and identity monitoring services start at breaches over 100 or 250 notified individuals, depending on company size
All of the policy's multiple limits will be available for breach response.

Coverage

Legal services

Computer forensic services

Notification services for up to 5 million affected individuals

Call center services

Credit monitoring, identity monitoring or other personal fraud or loss prevention solutions

Public relations and crisis management expenses

All of the policy’s multiple limits will be available for breach response.
Business interruption loss from security breach or system failure

Dependent business interruption loss from security breach or system failure

Cyber extortion loss

Data recovery loss

Data and network liability.
Third party information security and privacy coverage with up to $15M

Full media liability

Regulatory defense and penalties

Payment card liability and costs
Fraudulent instruction

Funds transfer

Telephone fraud.

Criminal reward coverage

Coverage

Coverage

Breach response

First party

Third party coverage

eCrime

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