Personal CyberPlus

Personal CyberPlus was developed as a bolt-on solution to your existing homeowner’s insurance policy to address the increased cyber risks faced by policyholders. Our turn-key reinsurance solutions provide the product development, underwriting, and marketing services needed to bring new products to market quickly, seamlessly, and without the assumption of risk.

TMHCC Personal CyberPlus Policy 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, 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 Expense & Damages Reimbursement - Legal expenses and damages incurred in lawsuits alleging liability for cyber bullying or privacy breaches.

Cyber Support Services

  • Free Credit Monitoring - Each Personal CyberPlus policyholder will have access to free credit monitoring and alerts in efforts to mitigate fraud.
  • Online Personal Cyber Center - Online training, videos and tools to learn more about safeguarding personal information. Data privacy experts are also available for phone consultations.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Spain and Ireland, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions.