Digital Risk Resources

Our Clients Are Insurance Companies

Commercial Cyber Insurance Products

DRe’s proprietary Cyber insurance product is called the ISAP™ – it stands for: Internet Security and Privacy Insurance

Our Customers are Insurance Companies

ISAP is a proprietary insurance solution developed and created by DRE that protects business and individual policy holders against the risks of the internet relative to personally identifiable information.  Any Business that processes credit or debit cards or handles customer Personal Information has a legal liability to protect it.  The ISAP is the markets best solution for small to mid-sized businesses to transfer this growing area of risk.

The ISAP™ provides important protection for basic cyber risks that many SMB’s now face in their daily activities including:

Privacy Liability: Covers Third Party Liability for loss of personally identifiable information (PII) in a policyholders care custody and control.

Security Breach Liability: Covers Third Party Damages from a computer security breach such as a virus or hacker attack.

Breach Notice Coverage: Provides First Party Reimbursement for costs incurred to comply with the legal obligations of privacy breach notice laws including expenses related to helping restore the identity of identity theft victims.

The ISAP for small to mid-sized businesses

The ISAP is available in both “Claims Made” and “Occurrence-based” Forms.

It is available both by Endorsement or on a Stand Alone basis and is currently filed and approved in over 45 States.

There are three versions of the ISAP, a "Standard", a "Choice" and a “PRO” endorsement.

The Standard form provides significant coverage with a $500 Deductible, and a $25,000 Limit.

The "Choice" and “PRO” ISAP™ offers a broader coverage form and limit options ranging from $25,000 to $1,000,000.

The “Professional” (PRO) form is tailored for businesses that handle large amounts of Personal Information (PII) including Doctors, Lawyers, Accountants, Insurance and Real Estate Professionals.

Each Form offers three important coverages to protect policyholders and can easily attach to a broad range of underlying forms such as:

  • Business Owner Policy (BOP)
  • General Liability (GL)
  • Special Multi-Peril (SMP)
  • Errors & Omissions (E&O)
  • Workers Compensation (WC).

*For Accounts needing higher limits (over $1 Million), DRe provides access to a partner program with a more sophisticated coverage suite to serve larger or higher risk accounts.  Please call to find out more about how this program might work for you.

Employee Coverage

Additionally, We offer an optional endorsement providing breach notice (Identity theft) coverage for employees of the business – this endorsement can be attached to any of our ISAP forms. The “Employee Identity Theft” endorsement is offered at limits of $25,000 or $50,000.

Click HERE for more information about our Commercial Cyber program