Identity Theft Coverage Program from Cyberian Insurance Services
Cyberian Insurance Services offers a turnkey Identity Theft Coverage program for agents and brokers who want a practical solution to help clients recover from identity fraud and related cybercrime. As the Master Policy Holder and Program Administrator, Cyberian partners with AIG to provide both insurance protection and hands-on recovery resources. The program bundles financial reimbursement with services designed to speed restoration and reduce ongoing risk.
Ideal Accounts and Appetite
This program is well suited for individual clients and small groups whose exposure to identity theft is rising through online activity, data breaches, or offline information loss. Typical accounts agents place here include:
- Professionals and executives who use online banking, remote payroll, or social networking
- Households seeking protection for multiple family members
- Employees of small- to mid-sized employers that do not offer identity-monitoring benefits
- High-net-worth individuals concerned about account takeover or fraud-related legal costs
Accounts that already experienced fraud or ask about cyber protection are good candidates. The program is designed for personal exposure—not for large commercial data breach liability.
Coverage Highlights and Advantages
Cyberian’s Personal Internet / Identity Coverage package combines financial limits with recovery services agents can sell with confidence:
- $25,000 coverage limit with a $0 deductible
- Up to $2,000 reimbursement for lost wages due to time off work
- Coverage for criminal and civil legal defense expenses
- 24/7 Victim Care Center staffed by trained counselors to guide insureds through the recovery process
- Reimbursement for common restoration costs—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) and educational tools such as an ID Theft Primer: Do’s and Don’ts
- A comprehensive Claim Kit that includes forms and materials many competitors sell separately
The bundled approach reduces friction at claim time and gives insureds both reimbursement and active support—often more valuable than reimbursement alone.
Underwriting Notes and Administration
Cyberian handles program administration, including monthly reporting to the carrier (AIG), premium processing, and delivery of policy documents. Because the program is administered under a master policy, underwriting is streamlined and placement requires minimal submission work from agents. This makes it easy to offer as an add-on or standalone product.
Territories and Availability
The Identity Theft Coverage program is available nationwide across all 50 states and the District of Columbia, subject to state-specific restrictions. Coverage is provided on a non-admitted basis.
Why Work With Cyberian Insurance Services?
Cyberian specializes in niche programs that address modern personal cybersecurity risks. As the Master Policy Holder and Program Administrator, Cyberian combines carrier strength through its partnership with AIG with hands-on administration that reduces the agent’s operational burden. Agents benefit from a ready-to-sell product, educational materials, and proven recovery services that enhance client retention.
Example scenarios where this program fits: You might have a client who suffered account takeover and needs help restoring credit and recovering lost wages, or a household that wants affordable, proactive identity protection for multiple family members. In both cases the program’s combination of limits, services, and zero deductible makes it an easy option to present.
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 worried about online security, personal data breaches, or identity theft. Professionals, high-net-worth clients, and employees without 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 that complements existing personal or group policies. Agents can offer it as a value-added benefit or sell it separately depending on client needs.
What support services are included in the event of identity theft?
Insureds get access to a 24/7 Victim Care Center staffed by trained counselors, plus reimbursement for legal defense, lost wages, and administrative costs associated with restoring identity.
What is the underwriting process for this program?
Underwriting is streamlined because the program runs under a master policy. Agents can place individual clients or small 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. State-specific limitations may apply due to regulatory considerations.
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