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Cyber Insurance Industry Leaders

 

Cyber Insurance Premiums Are Expected to Increase 75% this Year.

Cyber attacks are becoming more and more common and sophisticated. Businesses like yours need extra protection to ensure that your doors will remain open during and after a potential attack.

Rates are expected to skyrocket in the next year.  ECBM is offering you a free no obligation cyber insurance quote in under 24 hours from one of our industry leading experts! Waiting to get a cyber insurance policy is guaranteed to cost your business thousands in premiums. 

All you need to do is answer a few short questions and our experts will take care of the rest. Fill out the form to request your quote today!

Who We Are

Charlie E. Bernier started his career practicing insurance defense. Charlie is now the Attonery and Partner of ECBM Insurance Brokers & Consultants based in Media, PA.

Recognized in Silicon Valley as a national thought leader in the Cyber Insurance field, he regularly speaks at conferences all over the country. Charlie is one of the largest cyber insurance brokers in the country and is the official broker on over 200,000 cyber policies.

He has worked with a number of carriers to create cyber policies for some of the largest professional liability insurers in the world. His unique insight into cyber law and cyber insurance makes him one of the only true cyber experts in his field.

ECBM is a brokerage and consultant company founded in 1970. With over 50 years of experience, the team at ECBM is committed a client-focused approach that consistently delivers exceptional service to its clients. We strive to be champions for our clients and are always determined to make sure insurance and risk management is not their worry.

 

Why You Need Cyber Insurance Coverage

Every company, no matter the size, faces the threat of a cyber attack. With more employees than ever before working from home, companies are much more vulnerable to ransomware attacks and other cyber breaches.

Cyber insurance helps your business prepare, respond to, and recover from a cyber attack. As the frequency of attacks increases and premiums begin to go up, cyber insurance is something your business can’t afford to ignore.

General Cyber Coverage Included in Every Policy

ECBM sets the industry standard for comprehensive cyber protection. All of our solutions come with the following security features:

  • Worldwide Coverage

    Protect your data and assets no matter where they happen to be.

  • Cyber Terrorism

    Each of our coverages includes protection from acts of cyber terrorism.

  • Internet of Things

    Coverage for all of your IoT devices is included by default.

  • Social Media

    Coverage of all of your social media accounts is included by default.

Cyber Insurance Coverage Options

Client & Vendor Contractual Cyber Coverage

Lowest Premium

INCLUDES:  

Network and Information Security Liability
 
Regulatory Defense and Penalties
 
Breach Response Services

Comprehensive Cyber Coverage

Medium Premium

INCLUDES:
CONTRACTUAL COVERAGE
+

Multimedia Content Liability
 
PCI Fines and Assessments
 
Crisis Management and Public Relations
 
Cyber Extortion
 
Business Interruption & Extra Responses
 
Digital Asset Restoration
 
Funds Transer Fraud
 
Reputational Harm Loss
 
Computer Replacement
 
Service Fraud

Expansive Cyber Coverage

Highest Premium

INCLUDES:
CONTRACTUAL &
COMPREHENSIVE COVERAGE
+

Reputation Repair
 
Bodily Injury and Property Damage - 1st Party
 
Bodily Injury and Property Damage - 3rd Party
 
Pollution

Cyber Coverage Explanations

  • Network and Information Security Liability

    An employee loses a laptop with the private data of your customers’ or a hacker breaches your computer’s defenses and steals your data. These events can trigger mandatory reporting obligations, or worse, it results in your company being sued. We help you resolve these incidents, including hiring legal counsel and covering legal judgments
  • Regulatory Defense and Penalties

    Data breaches are damaging enough, but they can also result in state and federal investigations and penalties to your business. We’ll cover the costs to manage any investigation as well as any penalties levied against you (subject to applicable law).
  • Cyber Breach Response Services & Costs

    Incidents happen. When they do, we’re ready to help you recover and maintain the confidence of your customers. We’ll provide expert counsel, and cover the costs of forensics, notification, and incident response efforts to help make you whole.
  • Multimedia Content Liability

    Thanks to the Internet, any company with a public website is subject to the same exposures and litigation of a traditional media company. We’ll indemnify you against claims for defamation, invasion of privacy, trademark and copyright infringement, and other multimedia wrongful acts.
  • PCI Fines and Assessments

    Your customers’ credit card information was stolen. Don’t worry. We’ll cover any PCI fines or assessments made against you. If you weren’t aware, all businesses that accept or store credit card information are subject to the Payment Card Industry’s Data Security Standards (PCI DSS).
  • Crisis Management and Public Relations

    When an incident occurs, it’s often more than just your data that is damaged. In your time of crisis, we’ll provide and cover the costs of consultants, public relations, and notification services so that you can control the narrative.
  • Cyber Extortion

    A hacker has encrypted all of your files and won’t unlock them until you pay a ransom. Not to worry, we’ll cover the costs to get you up and running again.
  • Business Interruption & Extra Expenses

    A hacker uses a denial of service attack to take down your website. Your cloud provider goes down as the result of a network outage. We not only cover your lost income, but any extra expenses to get your business back online.
  • Digital Asset Restoration

    Your network is hit by a ransomware attack. Your data may be held hostage, but your business doesn’t have to be. We’ll cover the costs to fix the problem and restore data that is corrupted or lost.
  • Funds Transfer Fraud Insurance

    A funds transfer request is sent to your controller by someone pretending to be the CEO. The funds may be out the door, but at least you’re not out of pocket—we’ve got you covered.
  • Reputational Harm Loss

    Suppose your organization experiences a major security failure, data breach, or cyber extortion incident that becomes public knowledge. Not only will you need to address your security and deal with liability that may arise from the incident, but you may also experience negative press and public relations that could further hurt your business.

    Reputational Harm Loss coverage protects you by reimbursing the net profit lost as a direct result of an adverse publication about the security incident.
  • Computer Replacement

    A malware infection alters the firmware of your computers. Their integrity may be comprised, but your business won’t be. We cover the costs to repair or replace any affected systems.
  • Cloud Service Fraud

    A hacker gains access to your cloud infrastructure (network, servers, telephone, etc.) and drives up your bill mining for virtual currencies. We’ll reimburse you for the loss incurred as a result of these malicious acts.
  • Reputation Repair

    When an incident occurs, it’s often more than just your data that is damaged. In your time of crisis, we’ll provide and cover the costs of consultants, public relations, and notification services so that you can control the narrative.

    Reputation Repair coverage enhances Crisis Management coverage, with expanded coverage for advertising and media purchases and consulting costs to help you preserve customer confidence and protect your brand.
  • Bodily Injury and Property Damage - 1st Party

    A hacker gains access to an industrial control system or Internet-connected device. The attack may come from cyberspace, but the physical impact is real. We help you recover, by covering your business interruption losses and extra expenses (including tangible property) to restore your business operations to normal.
  • Bodily Injury and Property Damage - 3rd Party

    A hacker gains access to an industrial control system or Internet-connected device. The attack may come from cyberspace, but the physical impact is real. We cover the costs of defense and any liability you incur when a failure in your security results in physical damage or injury.
  • Pollution

    A hacker gains access to an industrial control system or Internet-connected device. A resulting system failure triggers the release of pollutants. We cover the costs to defend you and any liability you might have to a 3rd party resulting in the release of pollutants

General Cyber Coverage Included in Every Policy
We Set The Industry Standard for Comprehensive Cyber Protection

  • Worldwide Coverage

    Protect your data and assets no matter where they happen to be.
  • Internet of Things

    Coverage for all of your IoT devices is included by default.
  • Cyber Terrorism

    Each of our coverages includes protection from acts of cyber terrorism.
  • Social Media

    Coverage for all of your social media accounts is included by default.

Get Cyber Insurance Guidance You Can Trust

Meet with our team to review your cyber coverage, get insight into potential gaps and exposures, and uncover opportunities for savings.