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CYBER LIABILITY INSURANCE COVERAGE

Addressing today's cyber threats against the hospitality industry.



HOTELS

 * Express
   Umbrella
 * Hotel
   Umbrella
 * Resort
   Umbrella
 * Casino
   Umbrella
 * City Clubs
   Umbrella
 * Hotel
   Primary
 * Cyber
   Liability
 * Workers’
   Compensation


BEST-IN-CLASS PROTECTION

 

As one of the most targeted industry by cyber hackers, Cyber Liability Insurance
is no longer a 'nice to have' coverage for your hospitality clients, it's a
necessity.

Protecting against financial and reputational loss, industry-leader Beazley also
takes over the intensive notification and regulatory requirements. In our
increasingly digital world, make sure your clients have the coverage they need
for risks that they can't see.

Get your clients' networks covered.

Submit Now

24/7 CLAIMS LINE

NOTIFICATION EXPENSE COVERED

WORLD-CLASS COVERAGE

THE DISTINGUISHED CYBER LIABILITY INSURANCE PROGRAM SERVES:

All Hotel Classes

All Restaurants

All 50 States

Submit Now

FLEXIBLE PRICING

COMPETITIVE PRICING

COMPREHENSIVE COVERAGE


INDUSTRY-LEADING COVERAGE.

Coverage is provided by Beazley, an industry leader in Cyber Liability
Insurance. Beazley’s Cyber Breach Response services are included for all policy
holders, helping to mitigate exposure for your clients.


NOTIFICATION EXPENSE.

If your business is attacked, you'll be responsible to notify all impacted
individuals of the breach and offer a set of services to mitigate any resulting
losses. This coverage is included, outside of liability limits.




24/7 CLAIMS LINE.

In the event of a cyber-attack, you'll have access to a 24/7 crisis response
hotline, ensuring your clients are able to take immediate mitigating action.


EFFECTIVE RISK MANAGEMENT.

Your policy holder will be able to access important tools that help reduce and
mitigate exposure. They will be able to take proactive steps to defend their
systems against potential costly attacks.


FEATURES

KEY ADVANTAGES

 * Limits of $1M available with higher limits upon request 
 * Retention as low as $5,000
 * Coverage provided by Beazley, considered the industry leader in Cyber
   Liability coverage
 * Competitive pricing with premiums as low as $387
 * Easy application and quoting process
 * Notification Expenses outside limits of liability

ELIGIBILITY

 * All Hotels, Resorts, Casinos
 * All Restaurants
 * All 50 states

KEY COVERAGES

 * Coverage includes first-party and third-party Cyber Liability
 * Beazley’s Cyber Breach Response services included for all policy holders
 * Notification Expense covered outside the limit of liability
 * Business Income and Cyber Extortion coverage available
 * e-Crime coverages included

INSURERS

Beazley, a Lloyd's syndicate

The coverage information outlined above is a guideline only. Please refer to the
actual policy for full terms, conditions, exclusions, and limitations. In the
event of a conflict between the above information and the actual policy, the
policy will control. 

WHEN HOSPITALITY HACK HAPPENS: HOW CYBER LIABILITY INSURANCE STEPS IN

We’re all familiar with the high-profile data breaches that have occurred over
the last several years in the hospitality industry – from the largest breach
that put at risk the personal information (data, such as name, mailing address,
phone number, email address, passport number, account information, date of
birth, etc.) of 500 million hotel guests during a four-year period, to a breach
that impacted multiple hotels because of an attack on a third-party reservation
system. More than a dozen high-profile data breaches have been reported by
hotels and resorts from 2010-2018, affecting everything from major multinational
corporations to single properties.

Cyber attacks against the hospitality sector come from various sources using
different methodologies to gain access to information that can be used for
profit. Hackers can gain access through vulnerabilities in web frameworks,
Internet browsers, or Internet infrastructure such as routers and modems.
Hackers also increasingly use malware and phishing techniques to steal data.
Ransomware, which has become quite popular, allows cyber criminals to use
deceptive methods to infiltrate computer systems, encrypt data and demand money
to release files. In addition, industry-specific challenges like high employee
turnover continue to expose the hospitality industry to potential cyber attacks.

To effectively mitigate cyber risks and manage the fallout from an attack, the
industry needs to take a more proactive, sophisticated approach to cyber
security. It needs to be able to successfully recognize adversary methodology
before attacks occur and have strong incident response tactics in place in order
to be able to provide true security to vulnerable, critical networks. In
addition, a responsive Cyber Liability insurance program specifically designed
for the hospitality industry will help an insured navigate a breach and provide
the financial support to mitigate its risk. According to the Ponemon Institute’s
2018 Cost of a Data Breach Study, the average total cost of a data breach is
pegged at $3.86 million, or $148 per stolen record. Cyber insurance is designed
to help with these costs.

Cyber Liability insurance for hotels and resorts, casinos and restaurants
provides assistance with the following:

 * Identifying that a breach indeed occurred by providing a breach response team
   as part of the services included in the Cyber policy. These experts can
   diagnose an insured’s system, investigate and provide swift action to rectify
   the situation. Forensic experts are an integral part of the team that will
   pinpoint what caused the breach and guide the insured as to how to remedy it.
   They will investigate the client’s firewall, secure data, perform data
   recovery, evaluate data backup plans, rebuild the network and advise on best
   next steps.
 * If a breach has impacted customers, the insured must follow federal and state
   requirements to notify all of those potentially affected. A Cyber policy can
   be designed to help an insured navigate the complex maze of government and
   regulatory notification rules. Additionally, Cyber Liability insurance can be
   designed to provide a call center staffed with experts who know how to
   properly manage the notification process.
 * When a breach occurs at a hotel, resort, casino or restaurant, the PR fallout
   can be significant, impacting the insured’s reputation, shareholder
   confidence and revenue. Cyber insurance can provide a client with a public
   relations firm to support the organization’s recovery by managing the
   messages disseminated to the public. Services include crisis communication
   planning, delivery, monitoring and follow-up.

In reviewing Cyber insurance with your hospitality clients, go over the various
coverages that are available. This includes first-party insurance to cover
breaches and the risks to the organization’s data; the cost to get the system
secure after a breach; notification costs; PR and crisis management costs; and
Business Interruption insurance for when an organization experiences a loss of
income as the direct result of a system failure or impairment due to a failure
of network security. Third-party coverages include the fees for hiring an
attorney to defend against lawsuits, legal settlements or judgments resulting
from the breach, the costs of responding to regulatory inquiries, and government
fines and penalties.

Cyber insurance policies may also come with risk management services to help
insureds and their employees learn how to prevent data breaches, identify (and
avoid) phishing emails, and avert common security pitfalls. 

READY TO

SUBMIT?

It's easy. Just go to our online portal and get started. If you haven't
registered as a broker, you'll need to do that first. And if you need any help,
we're here.

Register
Submit Now


RESOURCES


HOTEL LIABILITY INSURANCE

Provide your midscale hotel clients a specialized one-stop-shop experience.
Download Resource


CYBER LIABILITY INSURANCE

Get your clients protected against devastating cyber attacks and hacks.
Download Resource


YOU’VE BEEN HACKED

Your clients may not be aware how devastating a cyber attack can be.
Download Resource

Contact Us



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