Cyber Liability
We recognize the important role cyber liability insurance plays in protecting businesses from emerging threats. Our tailored solutions will meet the needs of our clients providing financial protection and critical resources for navigating any security incident they may face.
Capabilities
Solutions
For select clients, a combination of cybersecurity services packaged with insurance solutions.
It includes: Implementation of multi-factor authentication (MFA), Encrypted data backup, VPN solution, Real time threat monitoring, and more.
Privacy Compliance
Regulatory coverage including violations of new and expanding state consumer privacy laws, biometric regulations, and international privacy law.
Coverage Flexibility
Available on admitted and non-admitted paper.
Strategic Expertise
Expertise for handling SME business and building large limit towers for complex risks.
Diverse market access
Flow will access carrier capacity through multiple channels including API, portal, and traditional email submissions. This allows us to provide clients with multiple options quickly and build limits where needed.
Target Classes
Technology and IT Services
From software development firms and IT consultants to fintech and artificial intelligence, we can provide specialized coverage to protect against data breaches, system failures, ransomware, and more.
Financial Services
Banks, credit unions, investment firms, and insurance companies can rely on our cyber insurance solutions to mitigate the financial and reputational risks associated with cyber threats, including wire transfer fraud and regulatory fines
Healthcare
From multinational corporations to emerging startups, public companies rely on our management liability insurance solutions to protect their directors, officers, and executives from the legal and financial consequences of management-related claims.
Retail and E-commerce
With the increasing prevalence of online transactions, retailers and e-commerce businesses benefit from our coverage for payment card data breaches, website downtime, and cyber-related business interruption.
Manufacturing and Supply Chain
Manufacturers and suppliers face cyber risks at every stage of the production process. Our tailored insurance solutions help mitigate risks related to supply chain disruptions, intellectual property theft, and ransomware attacks.
Public Entities
Municipalities, government agencies, and educational institutions rely on our specialized cyber insurance coverage to protect critical infrastructure, confidential citizen data, and educational resources from cyber threats.
Critical Infrastructure
Organizations operating in critical infrastructure sectors such as energy, transportation, and telecommunications trust us to provide comprehensive cyber insurance coverage to safeguard essential services and infrastructure from cyber attacks.
Coverages
Data Breach Response
Cover the costs associated with investigating and responding to data breaches, including notification expenses, credit monitoring services, and legal fees.
Business Interruption
In the event of a security incident causing downtime, coverage reimburses lost revenue and extra expenses incurred during the interruption period, helping businesses quickly recover and resume operations.
Ransomware/Extortion
Coverage for expenses related to ransom payments, cyber extortion demands, and crisis management services to mitigate the impact of ransomware and other extortion threats.
Network Security Liability
Protect your clients against third-party claims alleging negligence in safeguarding sensitive data, including legal defense costs and settlements.
Social Engineering Fraud
Coverage is available to mitigate financial losses resulting from social engineering scams, including fraudulent wire transfers and deceptive impersonation schemes.
Regulatory and Privacy Fines
Coverage helps mitigate the financial impact of regulatory fines and penalties resulting from non-compliance with ever evolving data protection laws and regulations, as well as GDPR, HIPAA and other federal and international requirements.
