Identity Theft Coverage Program from Cyberian Insurance Services
Cyberian Insurance Services offers a comprehensive Identity Theft Coverage program designed for agents and brokers seeking to protect their clients from the growing threat of cybercrime and identity fraud. As the Master Policy Holder and Administrator for this program, Cyberian partners with AIG to deliver a robust solution that helps individuals recover from the financial and emotional impact of identity theft. This turnkey package includes both insurance protection and proactive resources to reduce risk and support recovery.
Ideal Accounts and Appetite
This program is ideal for individual clients or groups who are increasingly exposed to identity theft risks—whether through online activity, data breaches, or offline information theft. Agents can place this coverage with clients such as:
- Professionals and executives using the internet for banking, job searching, or social networking
- Families interested in protecting multiple household members
- Employees of small to mid-sized companies where identity monitoring isn’t offered as part of a benefits package
- High-net-worth individuals concerned about account takeover or fraud-related legal issues
If you have clients asking about cyber protection or who have already experienced fraud, this affordable solution can offer peace of mind and real support.
Coverage Highlights and Advantages
Cyberian’s Personal Internet/Identity Coverage package includes key benefits that address both financial loss and recovery support:
- $25,000 coverage limit with $0 deductible
- Up to $2,000 reimbursement for lost wages due to time off work
- Criminal and civil legal defense expenses
- 24/7 Victim Care Center staffed by trained counselors
- Reimbursement for costs such as loan re-filing fees, DMV charges, passport replacement, Social Security reissuance, long-distance phone charges, notary, postage, and credit reports
- Monthly Security Awareness Training powered by Tysak Virus Alerts
- Educational tools such as an ID Theft Primer: Do’s and Don’ts
- Comprehensive Claim Kit including forms typically sold separately by other providers
This bundled solution not only provides financial protection but also delivers practical tools and education to help prevent future incidents.
Underwriting Notes and Administration
Cyberian Insurance Services handles all administrative responsibilities, including monthly reporting to the carrier (AIG), processing payments, and delivering policy documents. This streamlined process makes it easy for agents to offer a valuable add-on product to their clients without additional operational burden.
Territories and Availability
This program is available nationwide, including all 50 states and the District of Columbia. Some restrictions may apply depending on local regulations. The coverage is offered on a non-admitted basis.
Why Work With Cyberian Insurance Services?
Cyberian Insurance Services specializes in delivering niche insurance programs that address modern risks. As the Master Policy Holder and Program Administrator for this Identity Theft Coverage, Cyberian ensures smooth delivery, clear documentation, and professional support for both agents and insureds. Their partnership with AIG lends financial strength and credibility to the program, while their unique bundled approach provides significant value at an accessible price point.
Whether you're looking to expand your cyber-related offerings or respond to a client’s need for identity protection, Cyberian Insurance Services provides a ready-to-go solution with strong carrier backing and excellent client support.
Frequently Asked Questions
What types of accounts are a good fit for this Identity Theft program?
This program is best suited for individuals, families, or small groups concerned about online security, personal data breaches, or the risk of identity theft. Professionals, high-net-worth clients, and employees without access to employer-sponsored protection are strong candidates.
Is this a standalone policy or can it be bundled with other products?
This Identity Theft Coverage is a standalone product designed to complement existing personal or group insurance policies. It can be offered as a value-added benefit or sold separately depending on client needs.
What support services are included in the event of identity theft?
Insureds have access to a 24/7 Victim Care Center staffed by trained counselors, along with reimbursement for legal defense, lost wages, and various administrative costs related to restoring their identity.
What is the underwriting process for this program?
Since the program is structured under a master policy, underwriting is streamlined. Agents can offer it to individual clients or groups with minimal submission requirements.
Which states is this program available in?
The Identity Theft Coverage program is available in all 50 states and Washington, DC. Some state-specific limitations may apply due to regulatory considerations.
Need help placing an account? Connect with a market specialist.