eRisk Hub

Cyber Suite

Our Cyber Suite coverage is a comprehensive cyber insurance solution designed to help public entities respond to the full range of cyber incidents.

  • Coverage can be offered as part of a package account with Euclid Public Sector.  We do not write cyber coverage on a monoline basis.
  • Coverage is on a non-admitted basis.
  • Insureds with a primary office in the United States of America, its territories and possessions including Puerto Rico, except those in a class of business listed in Section III – Excluded Classes, are automatically eligible for a Coverage limit of $50,000.
  • Insureds are eligible for increased Cyber Suite limits of $100,000, $250,000, $500,000 or $1,000,000 subject to acceptable answers to the Increased Limits Questionnaire.  See application section.
  • A single Cyber Suite Aggregate limit applies to Data Compromise Response Expenses, Data Compromise Liability, Computer Attack and Cyber Extortion, Network Security Liability and Electronic Media Liability. The Cyber Extortion sublimit is part of the Computer Attack limit. Identity Recovery is subject to a separate and independent $25,000 limit per identity recovery insured.
  • All insureds who purchase our Cyber Suite coverage have access to our eRisk Hub portal which includes the following key features
  • Incident Response Plan Roadmap – suggested steps public entity can take following a data breach incident.  Having an incident response plan prepared in advance of a breach can be useful for defense of potential litigation.
  • Online Training Modules – ready-to-use training for public entities on privacy best practices and Red Flag Rules.
  • Risk Management Tools – assist public entities in managing their data breach and other cyber exposures including self-assessments and state breach notification laws.
  • eRisk Resources – a directory to quickly find external resources on pre- and post-breach disciplines, computer attack response and data recovery.
  • News Center – cyber risk stories, security and compliance blogs, security news, risk management events, and helpful industry links.
  • Learning Center – best practices and white papers written by leading authorities.

Our Cyber Suite is comprised of multiples coverages as outlined below:

Data Compromise Response Expenses A first party coverage designed to provide the insured with the resources to respond to a breach of personal information.
Computer Attack Computer Attack is a first party coverage designed to respond to a computer attack that damages the insured’s data and systems.
Cyber Extortion Cyber Extortion is a first party coverage designed to help an insured respond to an extortion threat.
Misdirected Payment Fraud A first party coverage designed to respond to a situation where the insured or the insured’s bank has been deceived into sending money to a fraudulent destination.
Computer Fraud A first party coverage designed to respond to a situation where an unauthorized party gains access to the insured’s computer system and uses that access to enter or alter data, causing money to be sent to a fraudulent destination.
Data Compromise Liability A third-party coverage designed to provide defense and settlement costs in the event of a suit related to a breach of personal information.
Network Security Liability A third-party coverage designed to provide defense and settlement costs in the event of a suit alleging that a system security failure on the part of the insured caused damage to a third party.
Electronic Media Liability A third-party coverage designed to provide defense and settlement costs in the event of a suit alleging that information displayed by the insured on a website caused damage to a third party.
Identity Recovery A first party coverage designed to provide owners of the insured public entity with case management service and financial resources to recover control of their identities after an identity theft.

Coverage Sub-Limits

Data Compromise Response Expenses

Computer Attack and Extortion

  • Forensic IT Sublimit: 50% of the Cyber Suite Aggregate Limit
  • Legal Review Sublimit: 50% of the Cyber Suite Aggregate
  • Public Relations Sublimit: $5,000
  • Regulatory Fines and Penalties Sublimit: 50% of the Cyber Suite Aggregate
  • PCI Fines and Penalties Sublimit: 50% of the Cyber Suite Aggregate Limit
  • Named Malicious Code Sublimit: $50,000 per Personal Data Compromise
  • Loss of Business Sublimit: 50% of the Cyber Suite Aggregate
  • Public Relations Sublimit: $5,000
  • Extortion: $10,000 sublimit at $50,000 and $100,000 Cyber Suite Aggregate; and $25,000 sublimit at $250,000, $500,000 and $1,000,000 Cyber Suite Aggregate

Misdirected Payment Fraud Sublimit

Computer Fraud Sublimit

  • $10,000 sublimit when the $50,000 or $100,000 Cyber Suite Annual Aggregate Limits are selected;
  • $25,000 sublimit when the $250,000, $500,000 or $1,000,000 Cyber Suite Annual Aggregate Limits are selected.
  • $10,000 sublimit when the $50,000 or $100,000 Cyber Suite Annual Aggregate Limits are selected;
  • $25,000 sublimit when the $250,000, $500,000 or $1,000,000 Cyber Suite Annual Aggregate Limits are selected.

Identity Recovery

  • Lost Wages and Child or Elder Care Sublimit: $5,000
  • Mental Health Counseling Sublimit: $1,000
  • Miscellaneous Expense Sublimit
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