Cyber Security Coverage

In the last decade, the cyber threat landscape has changed. While the loss or disclosure of personal or sensitive data used to be a company’s primary concern in assessing their cyber risk, businesses are increasingly facing threats to their ability to conduct normal operations.

Malicious threats like zero-day malware, ransomware, spyware, and scareware are on the rise, but businesses cannot ignore unintended disclosure risks. Business interruption, cyber extortion, loss of critical operational data, and electronic crime present cumulative risks that businesses must address.

KAMMCO gives our members access to a comprehensive set of solutions created to protect their business from the dangerous world of cyber risks. Our cyber policy provides breach response services along with coverage for payment card industry costs, regulatory defense and penalties, and first-party and crime coverage. Our policyholders have access to risk management services and, in the event of a cyber breach, will work with the same claims manager, who is focused on resolving the incident throughout the life of the claim.

Our policy form is streamlined and comprehensive to cover your organization seamlessly in the event of a cyber breach.

The KAMMCO Cyber Policy includes:


  • Legal service
  • Computer forensic services
  • Notification services
  • Call center services
  • Credit monitoring, identify monitoring or other personal fraud or loss prevention solutions
  • Public relations and crisis management expenses


  • Business interruption loss from security breach
  • Cyber extortion loss
  • Data recovery loss
  • Data and network liability


  • Third-party information security and privacy coverage
  • Full media liability
  • Regulatory defense and penalties
  • Payment card liability and costs


  • Fraudulent instruction
  • Funds transfer
  • Telephone fraud