Personal Cyber Insurance

Personal Cyber Insurance

Identity theft, online fraud, and ransomware aren't just business problems—they happen to individuals and families too. Personal cyber insurance helps cover the cost of recovery when digital threats become real-world problems.

Digital risks that affect individuals

Identity Theft

Identity Theft

Someone uses your personal information to open accounts, file taxes, or commit fraud in your name. Recovery can take months and significant effort without help.

Online Fraud and Phishing

Online Fraud and Phishing

Scams that trick you into sending money, revealing passwords, or downloading malware. These attacks are increasingly sophisticated and can fool even careful people.

Device and Data Compromise

Device and Data Compromise

Ransomware, malware, and hacking can lock you out of your devices or expose your personal data. Recovery often requires professional help.

What Personal Cyber Insurance Covers

01
Identity Theft Recovery

Identity Theft Recovery

Covers expenses related to restoring your identity: legal fees, lost wages, notary costs, and professional recovery services to help you navigate the process.

02
Cyber Extortion (Ransomware)

Cyber Extortion (Ransomware)

If your devices are locked by ransomware, coverage can help with ransom payments (where legal) and the cost of professional remediation to restore your systems.

03
Online Fraud Losses

Online Fraud Losses

Some policies cover financial losses from phishing scams, fraudulent transfers, or online purchase fraud, subject to limits and conditions.

04
Data Breach Response

Data Breach Response

If your personal data is exposed, coverage can help with credit monitoring, notification costs, and recovery services.

Concerned about digital risks?

We'll explain your options for personal cyber protection.

Personal cyber coverage is often more affordable than people expect. We can show you what's available as a standalone policy or as an add-on to your existing coverage.

Key Things to Know

01
Cyber risks are personal, not just business

Cyber risks are personal, not just business

Most people think of cyber insurance as a business product, but individuals face real risks too. Identity theft, online scams, and ransomware attacks happen to regular people every day.

02
Recovery takes time and money

Recovery takes time and money

Fixing identity theft can take hundreds of hours and cost thousands in legal fees, lost wages, and professional services. Having coverage means having support when you need it.

03
Prevention is still the first line of defense

Prevention is still the first line of defense

Insurance is a backstop, not a substitute for good habits. Strong passwords, two-factor authentication, and skepticism about unsolicited messages still matter most.

Common misses we fix for individuals

Quick items that help you understand and prepare for digital risks.

"I'm careful online, so I don't need cyber coverage."

"I'm careful online, so I don't need cyber coverage."

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"I'm careful online, so I don't need cyber coverage."

Even careful people get caught by sophisticated phishing, data breaches at companies they use, or social engineering attacks. The risk isn't just about your behavior.

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"My bank will cover fraud losses."

"My bank will cover fraud losses."

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"My bank will cover fraud losses."

Banks may cover unauthorized transactions, but they don't cover everything—especially if you were tricked into authorizing a transfer. And they don't help with identity restoration.

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"Identity theft only happens to other people."

"Identity theft only happens to other people."

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"Identity theft only happens to other people."

Millions of identity theft cases are reported every year. Data breaches regularly expose personal information. The question is often when, not if.

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FAQ

Frequently Asked Questions

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