Comprehensive Cyber Liability Coverage for Your Clients
Irwin Siegel Agency offers a tailored cyber liability product that helps your clients manage risks from data breaches, ransomware, and electronic crime. The program is especially focused on human and social service providers but accepts submissions from many other industries that store or process personally identifiable information (PII), protected health information (PHI), or payment card data.
Ideal Accounts and Appetite
This program is a strong fit for behavioral health providers, residential programs, community outreach organizations, healthcare clinics, and nonprofits that maintain large volumes of client records. You can also submit other organizations that routinely collect or process PII/PHI or accept payments online.
Example accounts that typically fit well:
- A statewide nonprofit with thousands of paper and electronic client records needing breach response and regulatory protection.
- A small-to-medium behavioral health clinic using cloud services for patient records concerned about ransomware and notification costs.
Coverage Highlights
Package coverage includes:
- Network Security, Privacy Liability
- Ransomware & Cyber Extortion
- Fraudulent Impersonation and Cyber Crime
- Breach Notification Costs and Credit Monitoring
- Public Relations Expense
- Regulatory Coverage – Fines & Penalties
- Privacy Law Violations, including HIPAA and HITECH
- Technology Errors & Omissions
These coverages address both first-party response costs (forensics, notification, credit monitoring, extortion payments) and third-party exposures (defense and liability, regulatory actions, and tech E&O claims).
Underwriting and Minimum Premiums
Irwin Siegel Agency works across multiple admitted and non-admitted markets to find the right placement for each account. Underwriting evaluates the type and volume of data handled, security controls, previous incidents, and vendor relationships. Minimum premiums and available limits vary by carrier and the client’s exposure; Irwin Siegel shops broadly to keep offerings competitive.
Nationwide Availability
The Cyber / Privacy Liability program is available in all 50 states and Washington, D.C., giving you broad territorial access for your submissions.
Why Place Cyber with Irwin Siegel Agency?
As a program administrator, Irwin Siegel Agency brings decades of experience serving niche human and social services markets. Their underwriters understand the specific operational and regulatory risks these organizations face and can tailor coverage to match. Benefits for agents include responsive underwriting, wide market access, and program design focused on organizations that manage sensitive client data.
What types of accounts are a good fit for this program?
This program primarily targets human and social service organizations, behavioral health providers, residential programs, healthcare clinics, and nonprofits that store or manage sensitive personal or health data. Other organizations that handle PII/PHI or payment data may also qualify.
Is this program available in all states?
Yes. Irwin Siegel Agency’s Cyber Liability Insurance is available in all 50 states and Washington, D.C.
What coverages are included in the package?
The package typically includes Network Security and Privacy Liability, Ransomware and Cyber Extortion, Cyber Crime, Regulatory Fines and Penalties, Technology E&O, breach response costs, and crisis management support.
Can I submit accounts outside of human services?
Yes. While the program is tailored for human and social services, Irwin Siegel Agency will consider a broad range of industries that expose them to cyber and privacy risk.
What carriers does Irwin Siegel Agency work with?
The agency works with a variety of carriers across available markets to find the best fit for your client’s needs; specific carriers and terms vary by state and account.