Cyber Suite

No matter the size of your business, keeping your employees’ and customers’ personal information safe from cyber attacks - which happen every 20 seconds² - is a top priority. With Cyber Suite from ERIE, you’ll be prepared to respond to a wide range of cyber incidents including breaches of personally identifying or sensitive information and threats that could jeopardize the safety of that information.

That’s why ERIE partnered with Hartford Steam Boiler³ to offer additional coverages that are not typically included in business owner’s policies including these first- and third-party coverages.

First-party coverages:

• Data Breach Response Expenses —to pay for forensic IT review, breach notifications, legal review, PR services, reward payments, and services to affected individuals including a toll-free help line, credit report and monitoring, and identity restoration case management. Plus, coverage for both regulatory and PCI fines and penalties (when legally insurable under law) and PCI assessments.
• Computer Attack —to pay for data restoration, recreation and system restoration costs due to a computer attack which damages data and/or software. It also includes business interruption, PR services, reward payments and future loss avoidance coverage for improvements to a computer system after a computer attack.
• Cyber Extortion—to pay for the cost of responding to a cyber extortion threat, including the cost of a negotiator or investigator and any amount paid in response to a credible cyber extortion threat.
• Misdirected Payment Fraud—to pay for the direct financial loss including diverted money, payment or tangible property completed through use of email, fax or telephone.
• Computer Fraud—to pay for the direct financial loss resulting from a cybercriminal who uses an unauthorized system to transfer money, securities or other property from your offices or bank to another person or place.
• Telecommunications Fraud—to cover payments owed to a telephone service provider, resulting from a fraudulent charge caused by an unauthorized access to your telecommunications system.

Third-party coverages:

• Privacy Incident Liability —Coverage for costs (within limits) to defend against lawsuits by affected individuals or judgements brought by state or regulatory agencies resulting from a covered “privacy incident”.
• Network Security Liability⁴ —Coverage for your settlement and defense costs for suits alleging your computer security negligence.
• Electronic Media Liability⁴ —Coverage for your settlement and defense costs for lawsuits alleging copyright or trademark infringement, defamation of a person or organization, or violation of a person’s right to privacy.

To round out your cyber protection, ERIE also offers two Identity Recovery coverage options for an additional premium:

• Identity Recovery for Owners
• Identity Recovery for Owners and Employees

With Cyber Suite from ERIE, you’ll be in control and able to protect your business from attacks, mitigate your risks and recover if a covered event does occur. Coverage also includes a team of cyber professionals experienced in handling these types of claims.

¹ Cyber Suite is only available to Customers with an ErieSecure Business policy.

²Cybercrime Magazine, November 2020

³Cyber Suite coverage and associated services reinsured under an arrangement with the Hartford Steam Boiler (Home Office: Hartford, Connecticut). © 2021 The Hartford Steam Boiler Inspection and Insurance Company (“HSB”). All rights reserved. This document is intended for informational purposes only and does not modify or invalidate any of the terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form. Coverage not available in New York.

⁴Coverage is subject to terms, limits and sub-limits not mentioned in this page. Talk to your Erie Agent regarding this coverage.