Byrne-Kim, Inovative Insurance and Risk Management Solutions, for Management Liability to Protect Corporations from Misc Liability
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Copyright © 2012 All Rights Reserved.   Byrne - Kim & Associates Insurance Services, Inc. T. 949-249-2540. F. 949-270-3704
Cyber Risks to you and your business

As many companies become more advanced with their technology and rely more upon the Internet
you face a new class of threats to your balance sheet and income statement. These loss potentials
are unlikely to be covered by traditional insurance, thus leaving you with a big coverage GAP.

Below is a list of just some of the ever growing risks and threats common to most businesses...

  • Activities by a hacker to a third party whom alleges damages, including:
  • Accesses your computer to send a virus.
  • Accesses your computer system to release sensitive customer data.
  • Launches an attack that shuts down your computer system.
  • Accesses your network and highjack your network or site.
  • Accesses your network and steals credit card information you are holding.
  • Accesses your network and transfers money out of your account.
  • Activities by a hacker to first party whom alleges damages.
  • Accesses your data and deletes it, or alters your data and you incur costs to have to
    reproduce all your data.
  • Your system and you suffer damages to data and lost income due to a virus that was sent.
  • Gains access to your network and causes an electronic transfer of your funds to his/her
    account.
  • Extorts money by threatening to divulge sensitive data he/she collected over your network.
  • Changes all of your passwords and locks you out of your network.
  • Launces a Denial of Service (DOS) attack which makes it impossible to sell products over
    your website.
  • Accesses your network and customer orders, and changes delivery addresses
  • If you have a website, a third party may allege that you have published their copyrighted
    material.
  • If you are a financial institution or deal with patient records, you could have significant
    defense costs associated with an administrative action under GLB or HIPAA regulations.
  • If you sell internet access services to a third party and they allege they were denied access.
  • If you sell software to a third party that alleges damages as a result of software malfunction.

For more information contact us at: (949) 249-2540
Cyber Liability Insurance
Cyber Liability
Contact us today!

Tel. (949) 249-2540

Or use our Contact Us form to
submit an email.
Coverage Highlights

First Party Expense for:

    Privacy notification expense
    Crisis management and reward
    expenses
    E-business interruption
    E-theft and e-communication loss
    E-threat
    E-vandalism expenses

Third Party Liability Coverage for:

    Disclosure injury
    Content injury
    Reputational injury
    Conduit injury
    Impaired-access injury

Underwriting Factors:

    Business revenue
    Employee count
    Nature of the business
    Technical safeguards the company
    has in place for cyber events
    Overall privacy and security policies
Get a Non-Binding Premium Indication Today!

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Consultants.  Fax (949) 270-3704