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2011 a significant year for security breaches

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The Privacy Rights Clearinghouse recently reported there were 535 security breaches it recorded in 2011, and it highlighted some of the most significant breaches in the United States.

One of the most devastating security breaches occurred to Epsilon, an email service provider. The company believes the breach affected nearly 60 million email addresses, making it the largest of its kind.

The clients of Epsilon suffered from spear phishing, which is when a hacker sends out an email that appears to be from a client or other trusted party, but is designed to steal information from those who open the email.

In order to recover from this sort of data theft, a company would be relieved to have a professional liability insurance policy that covers cybercrime and security breaches.

In some cases, security breaches cannot be deterred by antivirus software, because the software is unable to detect them, according to the recent 2012 Global Security Report put together by Trustwave.

The report said, “The historical perception of antivirus and the sometimes blind faith in its ability to detect and stop malware is one of the reasons attackers are so successful in what they do.”

 

General Liability Insurance

What Is General Liability Insurance? Commercial General Liability Insurance protects small-business owners from claims of injury, property damage, and negligence related to their business activities.

Workers’ Compensation

What Is Workers’ Compensation Insurance? Workers’ compensation insurance covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Business Owners Policy

What Is a Business Owners Policy? A BOP is simply bundled insurance designed to provide essential coverage to certain business owners at a competitive price. A BOP insurance coverage includes

Professional Liability Insurance

Professional liability insurance also called , errors and omissions insurance (E&O; insurance), protects you if a client claims that your services caused them to suffer a financial loss. While general liability insurance is primarily focused on property damage or bodily injury,

Disability Benefits Insurance

Employers in New York State are obligated to offer disability benefits insurance to their employees. This coverage is specifically designed to provide financial assistance in the event of off-the-job injuries or illnesses.



Business Umbrella Insurance

Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance ), you would have to pay the uncovered expenses out-of-pocket. Even if you carry General Liability Insurance for your business, without business umbrellainsurance you might face a repair, settlement, or judgment in excess of your coverage limit.

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