Digital Risk Resources

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Homeowners Cyber Insurance | PISAP


DRe provides a Turn-Key solution for Insurers wanting to offer genuine cyber insurance to Homeowners

DRe has created and delivers the world’s first complete first and third party cyber insurance solution for the homeowners market.  Insurers can add the P-ISAP™ (Personal Internet Security and Privacy) Endorsement to their Homeowners or Renters policies and offer this important bundle of coverage benefits to their policyholders.

What we deliver:

•   Coverage Forms
•   Underwriting, Rates & Rules
•   “A” Rated Reinsurance Capacity (ASPEN Ins. Co UK Ltd) 
•   Privacy Risk and Awareness Training 
•   Claims Facilitation

The P-ISAP is a coverage bundle providing 4 key coverages:

1st Party Coverage

1.  Identity Theft Remediation

Provides the Services of an Identity Theft Remediation Advocate to assist the insured in resolving the fraudulent use of his/her (PII)

2.  Breach Notice Coverage

Provides notification to victims whose PII has been lost or stolen from the named insured

3rd Party Coverage

3.  Security Breach Liability

For when a computer virus or other malware is transmitted to a third party from a home computer and then the 3rd party sues for damages

4.  Privacy Liability

For when Individuals whose PII has been lost or stolen from the named insured, sue for damages

The P-ISAP ENDORSEMENT  ATTACHES TO  A  “HOMEOWNERS” POLICY.  ASPEN will take up to 100% Quota Share Reinsurance.  This enables Insurers to earn fee income without risk bearing while offering this uniquely important coverage differentiator at an extremely competitive price.

Please call or email us to find out more about this new and exciting program

For more information about our Homeowners Cyber Program, please click here