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Cyber Insurance – North America

AXA XL Insurance’s cyber insurance policy comes with expanded coverage and even broader terms to protect against today’s emerging risks. We offer coverage for data protection risks, both for the third-party claims and first-party mitigation costs following a technology or cyber event.

Product details


Up to USD 15 Million

Coverage available on a primary or excess basis.


Includes comprehensive coverage for Cyber, Technology Errors and Omissions Liability and Media such as:

  • Privacy & Security Liability
  • Data Breach Response and Crisis Management
  • Privacy Regulatory Defense Costs and coverage for any
  • Fines and penalties assessed
  • Business Interruption and Extra Expense
  • Data Recovery
  • Cyber Extortion

Coverage available in United States and Canada

What makes our policy different?

Our policy form is written in a way that is easy to read and navigate with embedded hyperlinks. Our policy includes broader terms and expanded coverage for emerging risks.

More specifically, the policy provides for:

  • A broadened technology services and products definition with the ability to customize any other professional services
  • Coverage extends to outsourced providers, including cloud providers, and provides coverage for the acts of rogue employees
  • Broad media coverage includes both online and offline content, including content published on social media
  • Expanded privacy and security coverage to include confidential business information in addition to personally identifiable information and protected health information
  • Broad definition of personally identifiable information (PII) includes unencrypted information
  • Enhanced privacy regulatory coverage including amounts paid into consumer redress funds as well as any fines and penalties assessed
  • One coverage grant for data breach response and crisis management costs, including voluntary notification and the costs of a PCI forensic investigator to conduct an audit after a breach or suspected breach
  • Coverage for PCI fines and assessments available by endorsement
  • Insured has the option to use an AXA-approved vendor or to select their preferred vendor
  • Softened Hammer Clause included in base form
  • Notice of claim limited to select executive officers
  • Data breach response and crisis management costs are offered on an aggregate basis or with a dedicated additional limit subject to a capped amount
  • Exceptions to the Breach of Contract Exclusion including negligent performance of technology services or professional services, breach of confidentiality provisions and violations of intellectual property rights

Data Breach Response Partners

As part of your AXA Cyber insurance policy, you’ll have access to best-in-class firms that specialize in:

  • Computer Forensics
  • Data Breach Notification and Call Center Services
  • Credit and ID monitoring
  • Expert legal counsel
  • Public Relations

Policyholders also have access to AXA's online resource, to learn more about cyber-security readiness and incident response services.

Client Profiles

Retail, financial institutions, healthcare, hospitality, professional services firms, manufacturers, higher education institutions, power and utility companies, technology companies, telecommunications companies, IT consultants, internet companies and more.

Typical Information Required

Completed application, Claims history and Financial Data may be required.

Learn more about cyber coverage for small businesses

Information and Research

Cyber_Claims_Roadmap_Security Breach Discovered_Now What_XLCatlin_US

Cyber_Keeping Your Data Secure_Data Breach Partners_Brochure_XLCatlin

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

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