Cyber Liability

Businesses of all sizes are affected by cyber-attacks and data breaches

The information age is upon us and with the increased use of e-commerce, web-based storage, and the proliferation of smart phones, laptops, and tablets, the risks associated with data security are growing quickly. Businesses of all sizes are affected by cyber attacks and data breaches. In fact, 36% of all targeted attacks are directed at companies with 250 or fewer employees. Fremont Insurance has put together a program to cover your Cyber and Data Breach risk. We understand your business is unique and so are the coverages we have included in this comprehensive endorsement. We are confident you will not find a better insurance value.


  • $50,000 Limit available to all Fremont Insureds with no underwriting involved
  • $100,000 Limit available to all Fremont Insureds with no underwriting involved with signed warranty statement
  • No deductible regardless of limit selected
  • Higher limits available – subject to underwriting
  • To be offered this coverage you must be an insured with Fremont Insurance and purchase Commercial Package or a Business Owners Policy
  • 1st and 3rd party coverages included


Network Security and Privacy Insurance – coverage for both online and offline information, virus attacks, denial of service, and failure to prevent transmission of malicious code

Regulatory Defense and Penalties – Coverage for defense costs and fines/penalties resulting from government investigations

Privacy Breach Response Costs – Coverage for costs incurred to notify affected individuals including credit monitoring

Network Asset Protection – Coverage for income loss, business interruption expenses and costs to restore data that is damaged

Multimedia Insurance – Coverage for both online and offline media, including claims alleging copyright and trademark infringement, libel/slander, plagiarism, and personal injury

Cyber Extortion – Will pay extortion expenses and monies as a direct result of a credible cyber extortion threat

Cyber Terrorism – Coverage for income loss and interruption expenses as a result of the interruption of the insured’s computer system due to a cyber terrorism attack

Dependent Business Interruption – Coverage offers reimbursement for lost revenue incurred as a result of a third-party vendors’ system being down

Payment Card Industry Data Security Standard – (PCI/DSS) fines, penalties and defense

BrandGuard ™ – Covers what most cyber insurance policies fail to cover – lost revenue as a result of a cyber-breach


  • Legal counsel services
  • IT security and forensic experts
  • Public Relations/advertising support
  • Breach notification
  • Call Center and website support
  • Credit monitoring and identity theft restoration services


  • Online training for you and your employees
  • Sample data security policies to implement in your organization
  • State-by-state guidelines and regulations for data privacy and security
  • Posters and flyers to remind employees of safe data practices


  • The average cost of a breach for a small or mid-sized business is over $180,000.
  • Legal costs alone (defense and settlements) represent 57% of breach costs. Additional costs include IT services, customer notification, and public relations expenses (Privacy Rights Clearinghouse, 2014).
  • According to the President and CEO of Identity Theft Resources Center (ITRC), “With an average of 15 breaches a week in 2014, consumers need to be made aware of the risk of exposure to personal identifying information in order to understand the threat posed by this growing list of data breach incidents.”
  • In 2014, almost 150 million records were exposed through security breaches, according to Privacy Rights Clearinghouse. Which is an increase of 40% since 2013. In 2013, over 90 million confidential records were exposed through more than 600 reported security breaches, according to ITRC

Expert advice is only a phone call away

We have over 200 independent agents throughout Michigan, so you can be sure to find an agent near you who understands your needs and can get you the best policy and price.

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