Special article brought to you by Heiner’s Insurance Center
BY ADDIE B-ACUITY INSURANCE
If you are like many, you are more connected today than ever before. From cell phones to digital personal assistants, our homes are wired to the max. Our phones are smart, our TVs are smart—even our appliances are often connected to Wi-Fi. While these connections bring many conveniences, they may also introduce additional cyber threats into your home.
The threats of a computer virus or phony email may not be new concepts, but numerous other threats are emerging and occurring at an increasing rate. You or your family could be targets of any one of them.
To help protect our customers from the growing number of cyber threats, we introduced a new coverage in 2019 to enhance our Identity Theft coverage. This cyber endorsement helps protect from financial loss caused by an identity fraud or cyber-related event, including the following:
• Identity Fraud Expense reimburses for expenses incurred as a result of recovering one’s identity.
• Data Recovery and System Restoration coverage reimburses the cost to recover lost data and/or repair your personal devices after a hacking attack.
• Cyber Crime coverage can apply to a variety of criminal activities, such as wire transfer fraud, credit card fraud, and phishing attacks.
• Cyber Extortion coverage reimburses in a situation where an insured may be denied access to a device until a ransom is paid.
• Cyber Bullying coverage provides reimbursement for financial loss caused by online harassment or bullying. This is a first-and third-party coverage.
• Data Breach of Others coverage provides reimbursement for necessary costs associated with notification of others in the event a cyber event causes a breach in the personal information of others.
• Legal Expense and Damages Reimbursement applies if someone claims the insured is responsible for the loss of their personal information.
Identity Fraud Expense and Cyber Protection is comprehensive protection for you and your family in a world of evolving risk. Ask your independent agent to add this coverage to your policy today!