1. © 2014 Tressler LLP
Presented by:
Todd M. Rowe
Cyber Insurance Underwriters:
Your Country Needs You
April 13, 2016

2. © 2014 Tressler LLP
No Longer A Safe Harbor For Cyber Security
» Insurance Agreement
» Exclusions
» Portal Health Decision
Further Reading: April 12, 2016
Privacy Risk Report.
CGL Insurance Issues
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3. © 2014 Tressler LLP
Emerging Issue For 2016:
Claims Related To The
“Internet of Things”
For Further Reading: January 27, 2016
Privacy Risk Report
First Party Property Insurance Issues
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4. © 2014 Tressler LLP
Questions
» Does the company have a cyber-
incident response plan?
» Are subcontractors and suppliers
evaluated to ensure their adherence
to the company’s cyber
requirements?
» Does the firm engage in basic cyber
hygiene, such as the regular patching
of software and scanning for
malicious activity, and mandating a
multi-step identity check to access
company networks?
“Your Country Needs You”
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Further Reading: September 11, 2015 Privacy Risk Report

5. © 2014 Tressler LLP
» D & O Underwriters Struggle
With The Lack Of Information
Related To Cyber Risks.
November 14, 2014
Privacy Risk Report
» Early Observations Concerning
The Sony Hack And
Cyberliability Insurance.
› “The strength of this insurance
will start with the underwriting
process.”
January 8, 2015
Privacy Risk Report
Privacy Risk Report Posts For
Underwriters
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6. © 2014 Tressler LLP
Tort Source Fall 2015 Handout
Columbia Casualty Co. v.
Cottage Health System, 2:15-
cv-3432 (C.D. Cal. 2015)
The Current State Of Cyber Insurance Law
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7. © 2014 Tressler LLP
“Think of a massive cyber-
attack as an intelligent
hurricane…If it hits a house
that doesn’t fall down it
learns why the house didn’t
fall and it changes.”
Data Breach/Cyber Security
Parting Note
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8. © 2014 Tressler LLP
Another Parting Note
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9. Thank you.
© 2014 Tressler LLP
www.privacyriskreport.com
Todd M. Rowe
312.627.4180
trowe@tresslerllp.com