Personal Insurance - RiskCoverage.com

Protecting Your

Digital with Personal Cyber Insurance

Safeguard Your Online Presence and Personal Data with Comprehensive Coverage.

Why Get Personal Cyber Insurance?

In an increasingly digital world, personal cyber threats are a growing concern. Personal cyber insurance provides crucial protection by offering coverage for various risks that could impact your online presence and personal data.

Here is why you should consider it:

Cyber Insurance

Financial Protection: Personal cyber insurance helps cover the costs associated with recovering from cyber attacks, such as identity theft, online fraud, and unauthorized use of your financial information.

Data Breach Assistance: If your personal information is compromised due to a data breach, personal cyber insurance can assist with the necessary steps to mitigate the damage and minimize potential harm.

Personal/Commercial

Cyberbullying and Online Harassment: Coverage is provided for legal expenses and support services if you become a victim of cyberbullying or online harassment, helping you restore your online reputation and emotional well-being.

What is Covered by personal cyber insurance?

Our comprehensive personal cyber insurance policy covers a wide range of risks. These risks include but are not limited to:

Identify Theft Protection: Coverage for the expenses related to restoring your identity and resolving your financial issues resulting from identity theft.
Financial Losses: Protection against financial losses resulting from online fraud, unauthorized transactions, and phishing scams.
Cyber Extortion: Coverage for expenses associated with responding to cyber extortion threats, such as ransomware attacks or blackmail attempts.
Legal Support: Assistance with legal expenses incurred due to online defamation, cyberbullying, or harassment.

Identify Theft Protection: Coverage for the expenses related to restoring your identity and resolving your financial issues resulting from identity theft.
Financial Losses: Protection against financial losses resulting from online fraud, unauthorized transactions, and phishing scams.
Cyber Extortion: Coverage for expenses associated with responding to cyber extortion threats, such as ransomware attacks or blackmail attempts.
Legal Support: Assistance with legal expenses incurred due to online defamation, cyberbullying, or harassment.

What is NOT Covered by personal cyber insurance?

While personal cyber insurance provides extensive coverage, it’s important to understand the exclusions. Common exclusions include but are not limited to:

Pre-Existing Vulnerabilities: Coverage generally does not extend to incidents resulting from known and unaddressed security vulnerabilities in your personal devices or online accounts.
Intentional Misconduct: Deliberate acts or fraudulent activities by the insured are typically not covered.
Acts of War: Cyber attacks related to acts of war or terrorism may be excluded from coverage.

Pre-Existing Vulnerabilities: Coverage generally does not extend to incidents resulting from known and unaddressed security vulnerabilities in your personal devices or online accounts.
Intentional Misconduct: Deliberate acts or fraudulent activities by the insured are typically not covered.
Acts of War: Cyber attacks related to acts of war or terrorism may be excluded from coverage.

Personal Cyber Insurance Cost:

Factors to Consider

The cost of personal cyber insurance can vary based on several factors, such as:

Coverage Limits: The level of coverage you choose can impact the premium. Higher coverage limits may result in a slightly higher cost.
Personal Risk Profile: Factors such as your online activities, the amount of personal information shared, and the security measures you have in place can influence the premium cost.
Deductible: The deductible amount you select can affect the premium. A higher deductible often leads to a lower premium cost.

Coverage Limits: The level of coverage you choose can impact the premium. Higher coverage limits may result in a slightly higher cost.
Personal Risk Profile: Factors such as your online activities, the amount of personal information shared, and the security measures you have in place can influence the premium cost.
Deductible: The deductible amount you select can affect the premium. A higher deductible often leads to a lower premium cost.

How To Get Started With Us

Getting started with our personal cyber insurance is easy:

Customize Your Policy: Tell us about your business and what you’re looking to get out of cyber insurance coverage. From there, select your desired limit, and we’ll provide you with multiple quotes that fit your business’s unique needs.
Stay One Step Ahead: Once you’ve approved your cyber insurance policy proposal, you can get back online with peace of mind that you’re one step ahead of cybercriminals.

Customize Your Policy: Tell us about your business and what you’re looking to get out of cyber insurance coverage. From there, select your desired limit, and we’ll provide you with multiple quotes that fit your business’s unique needs.
Stay One Step Ahead: Once you’ve approved your cyber insurance policy proposal, you can get back online with peace of mind that you’re one step ahead of cybercriminals.