Cyber Liability Coverage

Protection against cyber risks in healthcare

Essential coverage embedded in your policy.

Healthcare is often a target for cyber crimes because of the sensitive information collected—Social Security numbers, dates of birth, and billing records. If a physician, medical practice, or facility experiences a privacy or security breach that involves confidential data, there can be substantial financial and reputational costs. Copic offers an increased level of response through embedded cyber liability coverage in eligible policies.

Copic's cyber liability coverage provides protection in areas that are often targeted in data breaches and other cyber issues. This protection includes expert guidance to walk you through all the necessary steps in the event you experience a data breach including patient notification, credit monitoring, investigation costs, and regulatory defense expenses. Copic also has options to increase the limits of liability (subject to approval)—a flexible option without the hassle of having to add a separate policy.

What are some common scenarios that Copic's cyber liability coverage covers?

  • Unauthorized access of computer networks that leads to the destruction or theft of patient data.
  • A computer “virus” or cyber attack that impacts IT systems at your practice.
  • Regulatory defense costs related to a security breach that results in a HIPAA violation.
  • Patient support and notification services, and business interruption expenses that are needed after a privacy breach.
  • Reasonable and necessary expenses to replace a stolen laptop or restore a damaged computer system.
  • Cyber extortion as a direct result of a credible threat involving confidential information.
  • Income loss and interruption expenses as a result of system interruptions due to a cyber terrorism attack.
  • Fines/penalties levied by the Payment Card Industry Data Security Standards Council against merchants who are not PCI DSS compliant.

If I am insured by Copic, what do I do if I experience a data breach or other cyber issue?

During business hours, please call 720.858.6395 to speak to a Copic representative to report an incident (regular business hours are Monday through Friday, 8am–5pm, Mountain time). After hours, you can log in to the Customer Portal and initiate a report through the Incident Reporting section.

Contact our Underwriting department

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