Insurance for Cyber Risk

Your business is like no other. That’s why we offer tailored coverages to meet your unique needs. Contact your independent agent or broker to learn how Liberty Mutual Insurance can
help your business thrive, securely and safely

By the Numbers
Data breaches affect
businesses of all sizes —
Human error root cause
of data breach*
Average cost per
lost or stolen record*
1 in 13
Web requests that
lead to malware**

As a business owner, you may have learned the hard way that computer security and data breaches are not just a risk for giant multinationals or government agencies. Online malware (Trojans,
worms, and viruses), spam, and phishing may present a disastrous breach of your security. Also, lost or stolen equipment can mean the exposure of customer information at a cost from which you may never fully recover.

Because we understand the risks associated with electronic devices and online data, Liberty Mutual offers data breach and cyber insurance, as part of a package
or general liability policy. This coverage provides a critical layer of protection for you and your business. Contact your independent agent or broker to learn more about adding this important protection to your existing policy.

Comprehensive Coverage Protects Your Business
We cover expenses resulting from a personal data breach at your company, including costs to:
■ Notify affected individuals that their personally identifiable information has been compromised
■ Contract with computer forensic experts to determine the existence, origin, and extent of a privacy breach
■ Retain a public relations or crisis management firm to control potential adverse media and reputational attention
■ Provide identity theft restoration services for individuals whose identity may have been misappropriated
■ Cover fines and penalties (where insurable by law) when levied against the insured by a government entity or the Payment Card Industry (PCI) due to breach of privacy regulation
Should your business experience a computer attack or data breach, including online malware, denial of service, or an unauthorized person gaining access to your computer system, we cover the costs to:
■ Restore or re-create your data and/or systems damaged, lost, or corrupted by a computer attack
■ Replace lost business income
■ Resolve an extortion or ransom demand from someone threatening your computer network, including costs to hire a negotiator

We protect your business against legal action by an affected individual or organization, including expenses resulting from:
■ Investigation, defense, and appeal of actions
■ Damages, judgments, or settlements to affected individuals for breach of personal information or to organizations for breach of sensitive or confidential business information
■ Defense costs added to that part of any judgment paid by us when such defense costs are awarded by law or court order

Be Prepared for a Data Breach
The eRisk Hub® risk-management portal, available through Liberty Mutual SafetyNet™, equips you with risk-management tools to help you be prepared should your business experience a data breach. Visit eRisk Hub to understand your risks and begin a response plan before disaster strikes. Don’t get caught off guard. Let us help you protect your client relationships and business reputation.1
Access Your Account Online
We make it easy for you to access the account information you need 24 hours a day, seven days a week, from one location — You can make a payment and manage your billing account; view, save, and print policies; and access eRisk Hub through Liberty Mutual SafetyNet. Our customer service professionals are on call to answer all your account questions.
Your Business Insurance Solution
Whatever kind of protection your business needs, Liberty Mutual can provide a comprehensive insurance solution. Speak with your local independent agent or broker to obtain a coverage package tailored to address your specific concerns. We’ll protect your business so you can focus on making your business thrive.

To learn more about data breach and cyber insurance from Liberty Mutual, contact your local independent agent or broker today


This document provides a general description of this program and/or service. See your policy, service contract, or program documentation
for actual terms and conditions. Insurance underwritten by Liberty Mutual Insurance Co. or its affiliates or subsidiaries.
© 2018 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116. CI3276 10/18

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