Questions? We have answers

It sure is! Criminals are hacking into our devices and systems in record numbers and becoming more sophisticated. Our connected world has made us highly vulnerable. This is no surprise when you consider that people are increasingly running their lives from their laptops and smartphones. It goes beyond a big corporation having a data breach or a bad actor stealing your credit card information. Cybercrime is any criminal activity that involves a computer, networked device or a network. While most cybercrimes are carried out in order to generate profit for the cybercriminals, some cybercrimes are carried out against computers or devices directly to damage or disable them. The personal and financial impacts of a cyberattack can be devastating.

The high cost of cyberattacks makes going without cyber insurance a real financial risk for individuals and families. 56% of cybercrime victims spent between $500 and $3,000 on data restoration and software and hardware purchases. The average home cyber claim is $10,000! And 42% of victims spent 6 to 10 hours correcting their credit information, monitoring their identity or correcting official records. The Federal Bureau of Investigations (2021 Internet Crime Report) received 847,000 reported claims from American consumers in 2021, with losses that exceed $6.9 billion. Criminals are hacking into our devices and systems in record numbers! MyCyberProtection™ was specially designed to provide comprehensive coverage to protect consumers in this ever-changing world.

That is one of our most common questions. When we talk about “cybercrime,” we’re talking about the criminal activities of hackers and fraudsters who profit by taking advantage of consumers. Online fraud, data breach, identity theft and computer attack are examples of cybercrime.

Cyber insurance provides a comprehensive set of coverages for financial losses you might experience as a result of a cyberattack, whereas identity theft coverage reimburses you for the expenses associated with restoring your identity but doesn’t cover any direct financial losses you might experience as a result of the theft.

One size doesn’t fit all, so we have optimized our coverage with individuals and families in mind. Included is a choice of various coverage limits with an eye on your budget pressures. Also, the ability for you to choose from flexible coverage packages that will provide affordable protection, even while you travel. With your cyber insurance policy, you get protection from cybercrimes such as Identity Theft, Online Fraud, Cyber Attack, Cyberbullying, Cyber Extortion, Data Breach and Home Title Fraud. These common cybercrimes can have devastating personal and financial impacts.

You bet! Each policy includes access to a mobile app called WhiteHax that provides on-demand Wi-Fi security scans, security and privacy scans on your mobile devices, reporting on active threats and remediation help. Our goal is to arm you with the tools and information you need to make you less vulnerable.

HSB offers very affordable personal cyber protection to help both individuals and families navigate today's cyber landscape with confidence and security. You have access to affordable and innovative cyber coverages and services, with flexible coverage limits, starting as low as $3.33 a month.

Absolutely! We have set up our cyber coverage to be like a monthly subscription. You can also pay annually if you like and receive a 5% discount on your total cost. Whatever works for you! We accept credit card, debit card and ACH for your convenience.

Not unless you want to! You can communicate directly with one of our representatives using our chat feature or by calling 844-378-5782. You will save time and effort by avoiding confusing applications and choices. We have designed our website to enable you to quickly and easily get protected. You can call our cyber team in Valley Forge, PA., and we will answer any questions you have about what package is the best for your needs.

If you suspect you’ve experienced a cyber incident, you should reach out to us as soon as possible. Our specialists are available online, via email, chat and on the phone, 24/7 and will guide you through the process. You can call us directly at 844-378-5782. We have also included a Cyber Guide to help you navigate if you experience a cyber event.

MyCyberProtection™ is backed by a staff of knowledgeable and experienced, onshore HSB cyber claims professionals that are ready to help you at a moment’s notice. Our claims service is also enhanced by our partnerships with industry-recognized legal, forensic and cybersecurity organizations offering 24/7 response to a cyber event in order to mitigate loss, maximize use of coverage limits, and speed recovery.

HSB is one of the largest cyberwriters in the U.S. HSB sets the standard in specialty insurance and reinsurance coverages worldwide focusing on equipment-related insurance including cyber insurance, with technical knowledge, superior risk solutions and customer commitment you can count on, backed by over 20 years in the cyber business and 150 years of leadership. HSB is a leader in data, cyber and identity theft insurance, and is in a unique position to help consumers secure “Peace of mind from cybercrime.” Today, as a proud member of Munich Re, we are continuing our tradition of excellence using our technical knowledge to help consumers manage risk. HSB is part of Munich Re Insurance and is rated A++ (Superior) by A.M. Best Company.

The Identity Recovery Coverages limit is available to each individual covered under your policy (unlike the Cyber Coverages Limit, which applies in total, regardless of the number of individuals covered). It is subject to a maximum of $25,000 per individual, even if you select a higher cyber limit. That’s because we want to ensure each member of your family has adequate coverage to recovery from an identity theft. Additionally, no deductible applies to the Identity Recovery Coverages.