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Personal cyber insurance is the contractual agreement between you and your insurer whereby your insurer agrees to compensate in the event of a loss due to cyber-related risks, in return for a monthly premium.<br><br>Click here to learn more: https://slides.com/judysong/deck
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Introduction • Have you ever considered that you may be a more suitable target for a small crime than most businesses? • A cyber attack is something that you never expect to happen to you. • You are a vulnerable and easy target for hackers and scammers, mainly due to lack of awareness, safety measures and the usability of internet in modern times. • A Personal Cyber Insurance protects you from these instances from happening. It protects your financial details, your personal information and secures a peace of mind.
What it covers? Cyber Attack Coverage • A Cyber attack coverage is the general concept of what people think personal cyber insurance is. If any device in your home is connected to the internet and has the potential to get a virus or get attacked online, this policy will help you recover from any loss dealt through it.
Cyber Extortion • This coverage is divided into two parts which assists you to recover from a cyber-attack. Cyber extortions are the most common form of malware in the market. These targeted attacks infect your device and blocks you from controlling your own data. Then they extort you with a huge ransom or you will not be able to access the data. There are two ways how a personal cyber coverage could help. Subject experts could possibly guide you on how to tackle the problem in a case-by-case basis. In case the first option is out of question, if the matter is approved by a professional, then the ransom paid to the treat could be reimbursed.
Data Breach • A data breach coverage acknowledges and compensates you in the situation that private data that you entrust to another party is breached.
Online Fraud Coverage • An online fraud policy will compensate or reimburse you if affected by any form of fraud. If you lose money online from any form of scams or other malicious events, then this policy covers you wholly.
Cyberbullying • In a growing world where technology is integrated in every aspect of our life, cyberbullying is experienced by a vast majority of people in certain stages of their lives. If such an even occurs in your household, this form of coverage pays for costs that include relocation expenses, temporary education, lost income gap, legal expenses and much more.
Personal Cyber threats • A digital world steps up a notch from normal hazards and takes you to another dimension, adding more places where things could go wrong. • These places include the likes of viruses, online data theft and even ransomware which are equally catastrophic in nature. Your digital information needs to be protected, secured, and looked after just like any physical possession. • A personal cyber coverage protects all electronic appliances in your house that has the potential to capture your data and could possibly distribute it or have stolen.
Is it affordable? • Yes, it is! • Standalone or additional insurance. • $35-$60 annual premiums generally cover a total amount ranging from $25000 up to $50000.
Conclusion • Everything collects our data in a “connected” lifestyle. • Data is out identity and is getting expensive by the day. • Why not take measures to protect them?
