Cyber Insurance

Cyber insurance covers such things as:


CyberEdge is a comprehensive risk management solution for cyber insurance offered by AIG. In a rapidly changing landscape, CyberEdge provides innovative protection to help businesses safeguard against sensitive data breaches (personal and corporate data), computer hacking, dumpster diving, computer viruses, employee sabotage or error, pilferage of information, security failures, business interruption and identity theft.

Main coverage

  • Personal Data Liability - Breach of personal information/data protection laws
  • Corporate Data Liability - Breach of corporate information
  • Outsourcing Liability - Breach of personal or corporate information by an external vendor where the company remains legally liable
  • Data Security Liability
  • Defence Costs

Other benefits

  • Data Administrative Investigation
  • Data Administrative Fines
  • Notification & Monitoring Costs
  • Repair of the Company’s and Individual’s Reputation
  • Electronic Data
  • Pro Active Forensic Services
  • Data Crisis Response Services

Optional Extension

  • Media content
  • Cyber Extortion
  • Network Interruption Insurance

Who is it for?

Any business which handles and relies on data as part of its day to day operations.


Any organization operating a Web site or conducting e-business needs protection from an invading army of exposures, such as e-theft, destruction of critical data, defamation, libel, copyright or trademark infringement, e-vandalism, e-threats, denial of service, and more.

CyberSecurity by Chubb is a flexible insurance solution designed by cyber risk experts to address the full breadth of risks associated with doing business in today's technology-dependent world. CyberSecurity by Chubb:

  • Combines third-party (cyber liability) and first-party (cyber crime expense) coverages into one worldwide policy.
  • Covers direct loss, legal liability, and consequential loss resulting from cyber security breaches.
  • Is designed to easily integrate with your existing insurance program from Chubb and provides options for enhancing your cyber coverage based on your needs.
  • Provides you with a complete online network security risk assessment, resulting in a comprehensive report of your company’s exposures.

CyberSecurity by Chubb Coverage Highlights

  • Third-party cyber liability coverage for:
    • Disclosure injury, including claims alleging unauthorized access to or dissemination of private information.
    • Content injury, including claims arising from copyright and trademark infringement.
    • Reputational injury, including claims alleging disparagement of products or services, defamation, and invasion of privacy.
    • Conduit injury, including claims arising from system security failures that result in harm to third-party systems.
    • Impaired-access injury, including claims arising from system security failure resulting in the insured’s systems being unavailable to its customers.
  • First-party cyber crime expense (optional) for:
    • Privacy notification expenses even if the notification is voluntary on the part of the insured (with an alternative limits of liability or number of affected persons approach outside the limit of liability).
    • Crisis management and reward expenses, including the cost of forensic and public relations consultants.
    • E-business interruption, including rst-dollar extra expense.
    • E-theft and e-communication loss, extended to networks outside of your company’s system (financial institution risks only).
    • E-threat, including the cost of a professional negotiator and ransom payment.
    • E-vandalism expenses, even when the vandalism is caused by an employee.
  • Endorsement capability for:
    • Premier privacy injury, including coverage for claims alleging actual or potential unauthorized access to the private information of natural persons, as well as the non-public information of third-party organizations.
    • Regulatory defense costs and nes, penalties and consumer redress associated with actual or potential unauthorized access to private information.

CHUBB Cyber Preparedness Report 2019

The second, annual Chubb Hong Kong SME Cyber Preparedness Report - ‘Ignorance is Risk’, revealed Small and Medium enterprises (SMEs) in Hong Kong SAR have a low level of confidence in their employees’ ability to manage cyber risk.

In fact, 47% of SME leaders in Hong Kong SAR say that their employees do not recognise the severity of cyber risks to the business, and 41% say there is no consistent understanding across their organisation of what cyber risk means.

The report showed an increase in the number of cyber incidents affecting SMEs in the past 12 months. It also examined the common types of cyber breaches, concerns among SMEs post-breach, as well as the incident response plans.

Key Findings from Chubb's SME Cyber Preparedness Report 2019

SMEs are most concerned about the effects on their relationships with customers (51%) after a cyber incident.

The most commonly experienced types of cyber incidents in 2019 were

  • data loss through system malfunction, technical fault (29%)
  • human error (24%)
  • business interruption from system malfunction, technical fault (18%).
  • More than half (54%) of SMEs do not have a data breach response plan in place.
  • Nearly a third (32%) of SMEs did not purchase cyber risk insurance before or after a cyber breach.

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DUALL also offers Cyber Insurance.

See below for application form and sample policy.

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Navigator Insurance Brokers Ltd
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