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Overview — Data Breach Insurance from Access E&S Insurance Services When a business collects or stores customer personal information — credit card numbers, social security numbers, medical records, or other personally identifiable information (PII) — a data breach can quickly become costly and reputationally damaging. Access E&S Insurance Services places Data Breach / Cyber Liability coverage through multiple markets to help agents protect their clients from the financial and liability fallout of a breach. What this program does for your clients This program addresses the core costs following a breach: incident forensics to determine scope and root cause; customer notification and regulatory reporting; identity-theft monitoring and credit services; public relations and crisis management; legal defense and settlement costs; PCI fines and assessment expenses when applicable; and coverage for business interruption and extortion/ransom attacks where offered by the market. Access E&S works with several carriers so you can consider admitted and non-admitted options depending on the account. Ideal Accounts and Appetite Small-to-mid sized retailers and restaurants that process card payments and maintain POS systems. Professional service firms (accountants, lawyers, consultants) that store client PII or financial records. Medical, dental, and allied health practices that handle protected health information (PHI). E-commerce merchants, specialty online retailers, and others using third-party cloud services. Property managers, non-profits, and educational organizations with donor/student records. Technology firms and managed service providers — subject to underwriting on scope of services and security controls. Accounts with basic cyber controls (unique user accounts, multi-factor authentication, periodic backups, written incident response plans) generally place more favorably. Coverage Highlights and Advantages Comprehensive breach response expenses: forensics, notifications, credit monitoring, and legal costs. Public relations and crisis management coverage to protect reputation after a breach. PCI assessment and fines coverage available through certain markets. Options for first-party business interruption, ransomware/extortion, and forensic data recovery when needed. Access to multiple markets through Access E&S gives flexibility on limits, retentions, and extensions. Underwriting Notes and Placement Guidance Access E&S is an Excess & Surplus Lines broker with relationships across several carriers. Underwriters will typically ask for a completed cyber application or questionnaire, a description of the data you collect/retain, details on network security controls (MFA, endpoint protection, backups), and any prior incidents or claims. High-risk features — such as uncontrolled third-party vendors, unpatched systems, or no incident response plan — may require higher retentions, specific exclusions, or referral to a different market. Because this program uses multiple markets, admitted vs non-admitted availability varies by state and carrier. Confirm market status during submission. Territories and Availability Access E&S offers this Data Breach / Cyber Liability program in the following states: AZ, CA, CO, NV, TX, and WA. Note that capacity, specific features, and admitted/non-admitted status depend on the selected market — Access E&S can help you determine the best fit for the client’s location and risk profile. Why Work With Access E&S Insurance Services for Cyber / Data Breach Broker access to several cyber markets — increases chances of placement for diverse account profiles. Experience placing E&S cyber capacity for small and mid-market businesses. Flexible approach to underwriting and ability to locate markets for accounts with atypical exposures. Support for submissions, including guidance on required controls and documentation to improve placement outcomes. Example placements A neighborhood restaurant suffers a POS malware event exposing cardholder data — the program can respond with forensics, customer notification, credit monitoring offers and PCI coverage where applicable. A dental office has a stolen laptop containing patient records — forensics, notification and identity restoration services can be provided under the breach response portion of the policy. Frequently Asked Questions What types of accounts are a good fit for this Data Breach program?Small and mid-sized businesses that store or process customer PII — retail, hospitality, professional services, healthcare practices, e-commerce sellers, property managers, and similar operations. Accounts with basic cyber hygiene (MFA, backups, written policies) are preferred. What information do carriers typically request at submission?Expect a cyber application or questionnaire, description of the types and volume of data retained, security controls in place (MFA, endpoint protection, patching, backups), third-party vendor relationships, and any prior breaches or claims. Is coverage admitted or non-admitted?Access E&S places business with multiple markets. Admitted vs non-admitted availability depends on the carrier and the state. Confirm market status on each submission — the program is available in AZ, CA, CO, NV, TX and WA. Does the program cover PCI fines and assessments?Certain markets accessed by Access E&S provide coverage for PCI fines and assessments. Availability can vary by carrier and policy form, so include PCI exposure details when you submit. Need help placing an account? Connect with a market specialist.

Are your clients still not buying this coverage? Is it because they do not know about Cyber Insurance and how to manage their risk? We have a solution. We now have access to a new market that combines Cyber Risk Management AND Comprehensive Cyber Coverage, assisting your clients, before, during AND after an incident, at affordable rates. With every quote, your client will receive a tailored assessment of their cyber risk, as compared to the company’s other policyholders. As a policyholder, they will then have access to a security team that will provide additional risk information and assist your clients in implementing security and loss controls, at no additional cost. Coverage is written on A+/A (A.M. Best) rated Swiss Re Corporate Solutions and Argo Group paper. We can provide coverage up to $10M for Cyber Insurance and technology! Most worldwide attacks are directed to small and medium sized businesses and the cost of the coverage is very reasonable. Your clients can’t afford not to be covered. We can quote and bind in house providing quick turn around. Obtain a quote today! Coverage Includes: • Business Interruption & Extra Expenses • Contingent Business Interruption • Funds Transfer Fraud • Cyber Extortion • Computer Replacement • Bodily Injury & Property Damage • Pollution • Service Fraud • Network & Information Security Liability • Regulatory Defense & Penalties • Multimedia Content Liability • PCI Fines & Assessments • Digital Asset Restoration • Breach Response • Crisis Management & Public Relations • Many Enhancements Available We will acknowledge the submission via e-mail within 24 hours. If you do not receive a response from us, please call us at 860-527-9717. AP Advantage, a division of Chamber Insurance Agency Services LLC