Cyber Liability & Professional E&O

Commercial Cyber Liability

• ■ First-Party Remediation: IT forensics, legal counsel, customer notification, and mandatory credit monitoring costs.
• ■ Ransomware & Cyber Extortion: Negotiation specialists and payment reimbursement for hostage system recovery.
• ■ Funds Transfer Fraud: Covers losses resulting from fraudulent wire instructions and social engineering attacks.

Errors & Omissions (E&O)

General liability strictly excludes claims arising from professional advice or service failure. E&O protects consultants, engineers, brokers, and tech firms against allegations of negligence, design errors, or breach of duty.

• ■ Defense Outside Limits: Legal defense costs paid without eroding your policy settlement limit.
• ■ Prior Acts Coverage: Retroactive coverage protecting past completed work.