New Empire Group’s Cyber$ential Personal Data Security & Cyber Liability Program is purpose-built to help agents place coverage for Community Associations, Property Owners, and Property Managers facing increasing cyber risks. As a Program Administrator with access to top-rated carrier Great American, New Empire Group offers a streamlined solution designed for insureds with limited IT expertise but growing exposure to cyber threats.
Ideal Accounts and Appetite
Cyber$ential is ideal for accounts such as:
- Homeowners Associations (HOAs)
- Condominium and Co-op Boards
- Residential and Commercial Property Management Companies
- Apartment Building Owners
These clients typically store sensitive personal data on tenants, residents, or employees—making them vulnerable to cyber breaches, even if they are not technology-focused businesses.
Coverage Highlights and Advantages
Cyber$ential delivers broad and practical cyber liability protection with features that matter to your insureds:
- Simple Application Process – No need to gather technical specs or IT vendor documentation. Designed for non-technical applicants.
- Coverage for Employee Privacy Claims – Options available for employees suing their employer over unauthorized disclosure of personal data.
- Compliance Support – Covers costs to comply with breach notification laws or correct privacy compliance deficiencies flagged by regulators.
- Subcontractor Coverage Extensions – Protects against breaches involving third-party vendors that store association or tenant data.
- Physical Theft Coverage – Personal data physically stolen (e.g., files, laptops) is treated as a covered breach.
- Rogue Employee Breach Coverage – Goes beyond unauthorized access to also include breaches caused by authorized users acting outside their scope.
- Mobile Device Coverage – Extends protection to data compromised through mobile devices.
Claims Support You Can Count On
In the event of a breach, New Empire Group’s dedicated claims team is fully equipped to assist clients throughout the process. Support services include:
• Incident Response Planning
• Regulatory Consulting
• Personalized Breach Consulting
• Damage Assessment
• Consumer Notification Assistance
• Media Relations Consulting
Underwriting Notes and Minimum Premiums
This program is designed for ease of entry, with a minimum premium starting at just $350. The underwriting process is simplified for agents and insureds alike, with flexible options to meet a variety of exposures. Cyber$ential is an excellent fit for insureds seeking affordable and effective cyber liability protection without the complexity of a traditional IT-focused policy.
Territories and Availability
Cyber$ential is available in most U.S. states, including but not limited to CA, FL, NY, TX, and IL. Coverage is offered on an admitted basis in most jurisdictions, providing peace of mind and regulatory confidence for your clients.
Why Work With New Empire Group?
New Empire Group is a trusted Program Administrator specializing in tailored insurance solutions for real estate-related risks. With deep market relationships and niche expertise, they make it easy for agents to place cyber liability coverage for property-focused accounts. Fast quoting, responsive service, and practical coverage features make Cyber$ential a strong addition to your brokerage options.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The Cyber$ential program is built for Community Associations, Property Owners, and Property Managers—especially those who handle personal data of residents or employees.
Do my clients need to have advanced IT systems to qualify?
No. The application process is designed for non-technical applicants and does not require detailed IT infrastructure information.
What kinds of breaches are covered?
Cyber$ential covers breaches due to hacking, physical theft of data, rogue employees, vendor mishandling, and unauthorized disclosure of private information.
Is coverage available nationwide?
The program is available in most U.S. states. Admitted coverage is offered in many jurisdictions. Check with New Empire Group for specific state availability.
What is the minimum premium for this program?
The minimum premium starts at $350, making it a cost-effective solution for small to mid-sized accounts.
Need help placing an account? Connect with a market specialist.