E&O Cyber Endorsements

43% of all cyberattacks target small businesses1

Cyberthieves check every point of entry. They can open any window or walk through the back door. The worst part? You typically aren't aware until it's too late.

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One cyberthief shouldn't be allowed to threaten all the time and hard work you've spent building your real estate career. But if your clients' sensitive data is compromised, you can face serious liability claims. Not to mention, a mere 14% of small businesses rate their ability to deal with cyber risks, attacks, and vulnerabilities as "highly effective."1

Our E&O Cyber Endorsements help your firm recover and respond to cyberattacks.

Cyber Endorsements include:

  • CyberOne™ coverage helps pay for the costs associated with restoring data and computer systems, as well as protects against third-party liability that may arise from a failure of a system security
  • Data Compromise coverage is designed to help clients respond to the financial burden and service obligations of a data breach

Keep your real estate firm standing tall in the aftermath of a cyberattack.

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211,00 data records are lost or stolen every hour.2


Computer Attack Coverage is triggered by a computer attack including:

  • An unauthorized person gaining access to the insured's computer system
  • A malware attack
  • A denial of service attack

In the event of a computer attack, CyberOne™ pays for:

  • Data re-creation (from non-electronic sources)
  • Data restoration (from electronic sources)
  • Loss of business income
  • Systems restoration

Limits of Liability - $100,000 with a $2,500 deductible (Higher limits available)

Coverage is triggered by a network security liability suit, including a civil proceeding, an alternative dispute resolution proceeding, or a written demand for money alleging that a negligent failure of the insured's computer security allowed one of the following to occur:

  • The breach of third party business data
  • The unintended transmission of malware
  • A denial of service attack in which the insured unintentionally participated

In the event of a network security liability suit, CyberOne™ covers costs of defense, settlement, and judgment; and defense is provided within the coverage limits

Limits of Liability - $100,000 with a $2,500 deductible (Higher limits available)

Data Compromise

Coverage is triggered by the discovery of the breach by the insured. A data breach includes:

  • Theft of electronic files or physical files
  • Accidental loss or release of files
  • Voluntary release due to fraud

In the event of a data breach, data compromise coverage pays for:

  • First-party expenses in response to a personal data breach
  • Outside legal counsel review, forensic IT review, notifications to affected individuals, credit monitoring, and identity restoration services to affected individuals

Limits of liability - $100,000 annual aggregate with a $2,500 deductible (higher limits available)

Sub limits - any one personal data compromise

  • Forensic IT review: $10,000
  • Legal review: $10,000
  • Named malware: $50,000
  • Public relations service: $5,000

Coverage offers legal defense cost and liability coverage protecting businesses from lawsuits filed by consumers upset about a data breach when their private information is exposed.

This coverage part responds to third party loss claims due to an insured's system being compromised.

Limits of liability - $100,000 annual aggregate with a $2,500 deductible (higher limits available)

Sub limits - any one personal data compromise

  • Malware: $50,000

1Mansfield, Matt. "Cyber Security Statistics-Numbers Small Businesses Need to Know." Small Business Trends,, Web. 3 January 2017.

2"Data Breach Statistics by Year, Industry, More." Breach Level Index, Gemalto,, Web. 19 December 2017.

*In Arkansas, Louisiana, Montana, New Hampshire, Oklahoma, South Dakota and Vermont, the $100,000 Network Security Liability limit is replaced with a $50,000 Network Security Liability Limit and a $50,000 Network Security Defense Limit.

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