Overview of the Program From NAS Insurance Services
NAS Insurance Services offers specialized cyber liability protection through its NetGuard™ Plus program, built specifically for retail and e-commerce businesses. Whether your client operates an online store, manages customer data, or relies on cloud-based systems, this program delivers the flexible and high-limit coverage they need in today's cyber-risk landscape.
Ideal Accounts and Appetite
This program is an excellent fit for:
- Online retailers and e-commerce platforms
- Businesses handling customer data or processing payments
- Companies using cloud environments and social media for business operations
You might have a client that sells specialty products through an online storefront or a growing apparel brand with a strong social media presence—both would be well-suited for this cyber liability program.
Coverage Highlights and Advantages
- Large Breach Response Limits: Separate from the policy aggregate to ensure third-party claims are always defendable.
- Network Asset Protection: Covers business interruption and data loss recovery.
- PCI Fines & Penalties: Includes both fines and associated legal defense costs.
- Notification & Credit Monitoring: Even when not legally required.
- Pre-emptive Public Relations Expenses: Helps mitigate reputational damage before it escalates.
- No Exclusions: Coverage includes cloud-based systems and social media exposures.
With liability limits up to $10 million and access to a breach response team backed by industry-leading experts, NetGuard™ Plus delivers the protection your clients need to respond quickly and effectively to cyber threats.
Underwriting Notes and Minimum Premiums
Minimum premium starts at $750, making this a competitive option for small to midsize e-commerce businesses. As a Managing General Underwriter, NAS Insurance Services brings deep expertise to underwriting cyber risks and works with highly rated markets, including Lloyd's of London.
Territories and Availability
This non-admitted program is available in most U.S. states, including CA, NY, TX, FL, IL, and many others. Please refer to the full list of available states to confirm eligibility.
Why Work With NAS Insurance Services?
NAS Insurance Services is a trusted Managing General Underwriter with proven experience in cyber liability and specialty coverage. With access to top-tier carriers and a commitment to delivering tailored solutions, NAS helps agents and brokers place complex risks with confidence. Their NetGuard™ Plus program stands out for its robust coverage, expert breach response, and flexibility across a wide range of digital business models.
Frequently Asked Questions
What types of accounts are a good fit for this Cyber Liability program?
This program is ideal for online retailers, e-commerce businesses, and any company that stores customer data or processes payments online.
Is coverage available for businesses that operate in the cloud or use social media?
Yes, NetGuard™ Plus includes coverage for exposures related to cloud-based systems and social media, with no exclusions for these technologies.
Are breach response costs included in the coverage?
Yes, breach response costs including notification, credit monitoring, and even public relations expenses are covered—even when notification isn't legally required.
What limits are available under this program?
Policy limits are available up to $10 million, with separate limits for breach response to ensure protection for third-party liability claims.
Which states is this program available in?
The program is available in most U.S. states, including CA, NY, TX, FL, and more. Please check the full list of eligible states to confirm availability.
Need help placing an account? Connect with a market specialist.