Cyber liability insurance encompasses both first-party and third-party coverage, with policies varying significantly in form and insuring agreements. It aims to address costs related to data breaches and unauthorized disclosure of confidential information, which are not covered by general liability insurance. Capitol Special Risks, a specialized insurance brokerage, offers a range of tailored coverages in this field, utilizing their expertise to secure enhanced options for clients.

2. What “Cyber Liability” Means
Cyber Liability is actually both first­party (you)
and third­party (them) insurance. It comes in
over 50 different policy form types, so there is no
definitive definition. Each policy must be
reviewed to determine the scope of coverage and
if it meets the needs of the insured.
There are anywhere from 1­13 “insuring
agreements” that describe what the coverage does
and how much it pays. Many times these policies
can be ‘a la carte’ and you can purchase a number
of coverage combinations.
Most basically, cyber liability policies are meant to
address the costs associated with some type of
data breach or release of confidential information
that you are legally liable for. General Liability
policies do not cover this exposure.

3. What “Cyber Liability” Means
Privacy/Cyber Liability Insurance is a relatively
new coverage developed to address the significant
exposure related to breach of network security
(hackers, viruses, and other malicious acts) and
the misuse and/or unintentional disclosure of
private information.

4. CAPITOL SPECIAL RISKS is a specialty lines
insurance brokerage firm, which was founded in
1991. Our niche approach has given us the
opportunity to form strong relationships with
quality Professional Liability & Management
Liability insurers, allowing us to ask for and often
receive enhanced coverages. We know which
coverages and endorsements to ask for, and we'll
put our in­depth knowledge and experience to
work for you. "Our Knowledge = Your Success"

5. Available Coverage:
o Privacy
o Network Security
o Multi­Media or Website Media
o Cost of Notification
o Cost of Credit Monitoring
o Corporate Identity Theft
o Network Extortion
o Regulatory Defense and Payment
o Forensic Expense
o Business Interruption
o Crisis Management/Public Relations Coverage
o Rogue Employee Coverage – many policies
have an exclusion for Fraud and Dishonesty the
coverage forms

6. Coverages
Cyber Insurance
Cyber Liability Insurance
Cyber Property and Liability Insurance
Cyber Risk Insurance
Cyberspace Liability Insurance
Information Security & Privacy Breach Insurance
Internet (Cyberspace) Liability Insurance
Internet Privacy Violations Insurance
Technology, Media and Professional
Services/Cyber Industry Insurance

7. CompleteMarkets/INSOMIS Corp.
Mailing : P.O. Box 542. Big Bear City, CA 92314­
0542
Physical : 41965 Big Bear Blvd. Big Bear Lake, CA
92315
Phone: (800) 753­4467, (909) 547­6212
(International)
Fax: (909) 547­6216
For Support: support@CompleteMarkets.com
(market requests, provider info)