Cyber-Crime Protection

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Cyber-Crime Protection

A program of cyber-crime prevention, data breach remedies and data risk liability

insurance for houses of worship, camps, schools, denominational/association ofﬁ ces

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Cyber breaches and subsequent

liability risks are top of

mind across all industries,

including houses of worship,

schools, camps and senior

living communities. If you use

computers and servers and

collect private information,

you are at risk for any number

of threats, including:

• Hackers

• Malware and viruses

• Staff error

• System glitches

• Theft

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Core

Cyber

™

This ﬁ rst level includes ﬁ ve broad areas of prevention measures and insurance: 1. Data risk liability insurance Coverage is provided for:

• Any event that has resulted in, or could reasonably result in, the fraudulent use of private information

• Loss or theft of personal and/or business data — both electronic and paper

• Failure to disclose/notify affected parties per breach notiﬁ cation laws

• Regulatory ﬁ nes and penalties • Payment Card Industry/Data Security

Standard ﬁ nes and penalties (up to a $250,000 sublimit)

• Internet media liability, including copyright infringement, plagiarism, theft of ideas, invasion of privacy, defamation, slander, negligent inﬂ iction of emotional distress and more

Available limits range from $50,000 to $1,000,000 per annual term. For limits below $500,000, there is a $1,000 retention (deductible). For limits at or above $500,000, the retention is $2,500.

2. Data breach response remedies Covers expenses related to a breach in data, which include:

• e-Business network interruption • Loss of business income • Reconstruction of data • Cyber extortion • Forensic investigation/audits • Crisis management • Legal consultation • Public relations • Notiﬁ cations/mailings

• Remedies for identity theft education and assistance

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3. Incident Response On-Demand™ Around-the-clock access to experts who will assist you with:

• Incident analysis to determine if a data breach occurred and if sensitive data was lost

• Strategic planning of the response • Notiﬁ cation of the data breach to those

whose information was compromised in the breach. This includes assistance in creation of the notiﬁ cation, address veriﬁ cation and mailing services.

• Victim resolution services, such as a telephone hotline to answer questions and concerns

• Consumer identity protection, such as credit monitoring

Incident Response On-Demand services and covered expenses are subject to the data breach sublimits.

4. Identity protection for all full-time employees

If any of your full-time employees become individual victims of identity fraud or identity theft, they receive coverage for:

• Reasonable legal fees for defense, removal of judgments and contesting of incomplete or inaccurate records

• Lost wages while taking time off work to resolve an incident, up to $2,000

• Other expenses, such as communications with institutions, credit card monitoring and personal records monitoring

• Assistance with responding to the fraud or theft

The annual limit per employee is $15,000. There is no deductible.

5. Risk management services and education module

Help prevent yourself from becoming a victim of cyber crime with the following risk management tools:

• Computer vulnerability scans (internal assessments)

• Mobile device vulnerability scans • Online training modules for employee

education, information security and technology

• Keystroke encryption software (downloadable)

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SB Core

Protector

®

This second, more robust, level adds Business Identity Protection to the Core Cyber plan. The program helps you promptly learn of potential business identity fraud through: • Business credit monitoring and alerts • Business cyber monitoring, which scans the

Internet, chat rooms, bulletin boards and other online sources, searching for your organization’s identifying information • Unlimited access to your organization’s

credit proﬁ le It covers:

• Professional fees

• Defense of lawsuits or criminal allegations • Removal of any fraudulent civil or criminal

judgments

• Contesting the inaccuracy or incompleteness of any information or records containing your business information

• Lost wages while taking off work to resolve

• Other allowable miscellaneous costs, such as travel, client communications and business records monitoring

• Educational white papers

Business identity fraud insurance features a $50,000 annual limit, with an annual deductible of $100.

For pricing information and to apply for Core Cyber or SB Core Protector protection, contact your Church Mutual representative or visit

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Think cyber

crime can’t

happen to you?

Think again.

Just take a look at the following examples to learn why everyone should have appropriate coverage.

Data breach at an assisted living facility The United States Secret Service identiﬁ ed a potential HIPAA breach that may have compromised data for 100 residents. As a result, an experienced team of dedicated cyber claims specialists quickly engaged a breach coach and a forensic investigator. Knowledgeable partners helped ensure the incident was properly handled and reported to the state regulatory agencies.

A pastor’s laptop — stolen

A pastor’s laptop containing members’ private ﬁ nancial information was stolen from his home. As a result, members sued the church for damages resulting from alleged failure to protect their private ﬁ nancial information. A malware data breach at a

conference center

A conference center’s computer system was compromised when a third party sent a malware program via email to a number of employees. The invasive software allowed the third party to access the system and capture the names, addresses and credit card numbers of more than 500 guests.

Theft by an employee

A private school secretary stole a donor’s credit card information, resulting in a forensic investigation, a lawsuit and a Payment Card Industry (PCI) ﬁ ne. The total cost of investigation, ﬁ ne and settlement approached $50,000. A costly mistake

A staff member at an assisted living facility commented on a resident’s health matter on a social media site. The HIPAA violation and resulting legal expenses exceeded $250,000. An online bookstore hacked

An online religious bookstore had its

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For more information, contact [email protected]. Para obtener asistencia inicial en español puede

telefonear al (800) 241-9848 o enviar un correo electrónico a la dirección [email protected].

Listening. Learning. Leading. is a registered trademark of Church Mutual Insurance Company.

This program is offered by

Church Mutual through

CMIC Specialty Services

and Identity Fraud Inc.

and its business partners.

This literature contains only illustrative information about available coverages and protection benefits and is not a policy contract. Refer to your insurance policies and specific program terms for complete descriptions of coverages, benefits, limitations and exclusions. The insurance coverages outlined herein are administered by Identity Fraud Inc. and underwritten by A-rated insurers. Various other services are provided by Identity Fraud Inc. and/or its technology partners.

CMIC Specialty Services is a subsidiary of Church Mutual Insurance Company.

Core Cyber™_{and SB Core Protector}®_are

trademarked names of Identity Fraud Inc. ®®