Comprehensive Data Breach Insurance from Continental Risk / Continental Marine Insurance Services
In today’s digital world, businesses of all sizes face increasing exposure to cyber threats and data breaches. Continental Risk / Continental Marine Insurance Services offers a robust Data Breach Insurance program designed specifically for agents and brokers seeking reliable coverage options for clients with cyber risk exposures.
This program provides one of the most comprehensive solutions available—combining First Party and Third Party coverages—to address the full scope of losses a business might face after a data breach.
Ideal Accounts and Coverage Appetite
Our Data Breach Insurance program is a great fit for a wide range of industries, including:
- Healthcare providers and clinics handling sensitive patient data
- Retailers and e-commerce businesses that store customer payment information
- Financial services firms and accountants with confidential client records
- Educational institutions and nonprofits managing donor or student databases
- Professional service firms with proprietary data or trade secrets
You might have a client who runs a regional CPA firm or a growing online retail business—both of which are excellent candidates for this program due to their dependence on digital systems and the sensitivity of the data they manage.
Coverage Highlights and Advantages
Our coverage extends beyond traditional cyber exposure, recognizing that not all data breaches stem from internet use. Key features include:
- First Party Coverage – Covers loss of data, business interruption, extra expenses, and accidental damage or destruction.
- Third Party Coverage – Provides protection against liability claims from clients or partners affected by a breach.
- Reputation Risk – Helps address customer loss and brand damage resulting from a breach.
- Human Error Protection – Covers administrative or operational mistakes that lead to data exposure.
- Cyber Crime & Attacks – Includes coverage for computer system attacks and digital theft incidents.
This broad scope ensures that your clients are protected from both internal and external threats, whether caused by malicious intent or human error.
Underwriting Notes and Minimum Premiums
The program is written through an A-rated carrier, offering peace of mind and strong financial backing. Our minimum premium starts at $1,500 for $1,000,000 in coverage, making it an accessible option for small to mid-sized businesses that need serious protection.
As an Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services can often accommodate more challenging or specialized risks that may fall outside standard carrier appetites.
Territories and Availability
This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, and GA. We offer access to both admitted and non-admitted markets, depending on the state and the specific risk.
We currently offer coverage in all 50 states and Washington, DC—giving you the flexibility to serve clients nationwide.
Why Work With Continental Risk / Continental Marine Insurance Services
With deep experience in specialty insurance markets and a commitment to responsive service, Continental Risk / Continental Marine Insurance Services is a trusted partner for agents and brokers. We provide quick turnaround, competitive pricing, and tailored coverage solutions to help you protect your clients from the financial and reputational fallout of a data breach.
Whether you’re working with a tech startup, a law firm, or a regional healthcare provider, we can help you find the right cyber liability solution.
Frequently Asked Questions
What types of accounts are a good fit for this Data Breach Insurance program?
This program is ideal for businesses that handle sensitive customer, patient, or financial data—such as healthcare providers, accountants, retailers, and service-based firms with digital operations.
Is internet use required for coverage eligibility?
No. Data exposure can occur from non-internet activities, such as internal system errors or physical data loss. Our coverage addresses both online and offline breaches.
What is the minimum premium for this program?
The minimum premium starts at $1,500 for $1,000,000 in coverage, making it a competitive option for small to mid-sized businesses seeking strong cyber protection.
Are both First Party and Third Party coverages included?
Yes. This program offers comprehensive protection including First Party (e.g., data loss, business interruption) and Third Party (e.g., liability claims) coverages.
What states is this program available in?
The program is available in all 50 states and Washington, DC, with access to both admitted and non-admitted markets based on the specific account and jurisdiction.
Need help placing an account? Connect with a market specialist.