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Cyber Insurance

International Coverage

Cyber: virtually all organizations are at risk, and it continues to evolve with new methods, actors and targets. AXA XL has a deep organizational commitment to helping our clients protect against one of the world’s most challenging threats, and one that shows no signs of lessening.

Our cyber insurance solutions include a modular cyber and data protection policy designed to be tailored to the needs of your industry sector – for both third-party liability and first party losses. Along with these extensive and flexible coverages, we can deliver an array of services to help you prevent such attacks and respond quickly and effectively if your business is struck.

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Coverage

Third party liability:

  • Data breach security and privacy liability
  • Media internet communications


First party losses:

  • Business interruption and extra expense
  • Loss / destruction of electronic assets
  • First party incident responses including IT forensics, notification costs, call center and PR expenses
  • Privacy regulatory defense costs and coverage of regulatory fines and penalties (where insurable by law) arising from a privacy or security wrongful act
  • Data restoration
  • Cyber extortion

We can also add cyber and data protection coverage to communications, media and technology companies either on a standalone basis or as part of a broader professional indemnity policy.

Benefits and Services

What makes our policy different?

Our policy form is easy to read and navigate. Our policy includes broad terms and extensive coverage for this continually evolving risk. More specifically, the policy provides for:

  • Expanded privacy and security coverage to include confidential business information in addition to personally identifiable information and protected health information
  • Enhanced privacy regulatory coverage, including any fines and penalties assessed (where insurable by law) arising from a privacy or security wrongful act
  • 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
  • Coverage for a wide range of business interruption trigger (including outsource service providers) available by endorsement

Post breach response partners

As part of our Cyber coverage, we provide access to best-in-class breach response services with specialized teams who are ready to help 24/7. They specialize in:

  • IT forensics
  • Incident response
  • Forensic accountancy
  • Cyber extortion management and payment
  • Public relations
  • Legal advice / support
  • First notification of loss
  • Identity protection
  • Regulatory notifications
  • Public Notifications including call center

Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

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 wordings 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. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. 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.

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