Overview — Corporate Identity Protection from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. offers Corporate Identity Protection designed for businesses that store or manage customer, employee, or vendor personal data. The program provides a combination of first- and third-party coverages when a data compromise leads to identity theft or related exposures. Limits range from $100,000 up to $5,000,000, making this solution suitable for retailers, manufacturers and wholesalers with revenues up to $100 million or for organizations maintaining records for as many as 1,000,000 identities.
What the policy covers
The program responds when your client’s data is compromised anywhere in the world and can include both liability and response services:
- Legal liability damages for third-party claims
- Defense costs for covered claims
- Regulatory action expense
- Notification costs to affected individuals
- Crisis expenses, including public relations and breach coaching
- Identity theft recovery services for victims such as education, assisted recovery, and credit monitoring
Ideal Accounts and Appetite
This program is intended for mid-market commercial accounts that maintain sensitive personal information but are not highly complex technology firms. Typical fits include:
- Retailers and ecommerce merchants with in-store or payment-card exposures
- Manufacturers and wholesalers that store customer or employee records
- Service providers and small data processors supporting consumer or B2B records
Accounts with straightforward network environments, established incident response plans, and annual revenues up to $100 million are the primary appetite. Accounts holding records for up to 1,000,000 individuals are eligible; larger, highly regulated, or high-risk data processors should be submitted for review only.
Coverage Highlights and Advantages
- Broad worldwide triggers for identity-theft events linked to a data compromise
- Combined response and liability coverages to handle both notification and defense
- Access to identity recovery services and credit monitoring to reduce customer churn after a breach
- Capacity up to $5M through admitted and specialty carriers (including AIG, CNA, The Hartford, The Seneca Companies, Travelers and Zurich)
- Flexible limits and wording designed for retailers, manufacturers and wholesalers
Underwriting Notes and Submission Guidance
Underwriters will review: nature and volume of personal data retained, security controls (encryption, MFA, patching cadence), incident response plan, third-party vendor management, and prior breach history. Typical information to include with a submission:
- Description of data stored (types and approximate record counts)
- Summary of cybersecurity controls and policies
- Recent loss history and any regulatory actions
- Revenue figures and number of locations/users
Limits start at $100,000 and go to $5,000,000. For program minimum premiums and specific deductible options, contact America's Internet Brokers for current guidelines and carrier appetite.
Territories and Availability
This program is available in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Availability may vary by carrier and by state regulatory requirements—please confirm eligibility on a submission-by-submission basis.
Why Work With America's Internet Brokers, Inc. for Corporate Identity Protection
- Access to multiple national carriers and specialized markets for capacity and flexible terms
- Focused underwriting for mid-market retailers, manufacturers and wholesalers
- Claims and breach-response services included to help insureds reduce exposure and restore customer trust
- Dedicated submission guidance to help you package accounts for quicker evaluation
Example scenarios where this program fits: You might have a regional retailer that experienced a POS breach affecting 25,000 customer records, or a wholesale distributor that stores customer credit and employee payroll information and wants pre-breach response services plus liability limits. Both are the type of accounts this program is set up to place.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Mid-market retailers, manufacturers, wholesalers and similar businesses that retain customer or employee personal data and have revenues generally up to $100M. Accounts should have documented security controls and an incident response plan.
What limits and types of coverages are available?
Limits from $100,000 to $5,000,000 are available. The program combines legal liability, defense costs, regulatory action expense, notification and crisis response costs, plus identity recovery services for affected individuals.
Are there specific underwriting requirements or documentation you should submit?
Yes. Provide a description of the data retained, record counts, summary of cybersecurity controls, any prior incidents, and revenue. This helps underwriters assess exposure and match appropriate carriers from the program panel.
Which states is this coverage offered in?
Coverage is offered in AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, and WV. Availability can vary by carrier—confirm at submission.
Need help placing an account? Connect with a market specialist.