Cyber for Individuals (Personal CyberPlus®)

TMHCC remains at the forefront of innovative, specialty products. For over 20 years, we have been providing risk bearers with unique Turnkey Reinsurance products and services.

To remain agile and innovative in an ever-evolving marketplace, we help our clients get to market quickly with bespoke products inclusive of our comprehensive program services. Our clients are then able to leverage our underwriting and claims expertise via private label and enrich their own clients’ experience.

Personal CyberPlus® features

• Identity theft expenses – Expenses incurred because of identity theft, including lost wages, daycare or eldercare costs and travel expenses incurred in seeking resolution and identity restoration.
• Data recovery and system restoration – Data recovery expenses and system restoration costs incurred as a result of a cyber-attack.
• Credit card fraud, forgery and cyber crime – Financial loss and expenses incurred due to credit fraud, forgery or cyber crime, including the use of stolen personal information to initiate a fraudulent wire transfer.
• Cyber extortion – Ransom monies and associated costs and expenses incurred due to a cyber extortion threat, including ransomware.
• Cyber bullying – Expenses incurred as a victim of cyber bullying, including the cost to seek counseling, childcare or caregiver expenses, temporary relocation and lost wages. Coverage also included for temporary tutoring expenses, unreimbursed tuition or increase in tuition, if the victim is a minor and cannot return to school because of cyber bullying.
• Breach notification costs – Breach notification and credit monitoring costs incurred when the personal data of others is stolen, lost or exposed while entrusted to the policyholder.
• Cyber protection legal expenses and damages reimbursement – Legal expenses and damages incurred in lawsuits alleging liability for cyber bullying or privacy breaches.