Medical liability coverage for Texas physicians

Cyber Liability

Physicians and medical groups are increasingly at risk for privacy-related claims that occur as a result of lost laptops, theft of hardware or data, improper disposal of medical records, hacking or virus attacks, and rogue employees. TMLT's cyber liability coverage offers protection for network security and privacy-related exposures faced by medical professionals.

Our cyber liability coverage includes:

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Network security and privacy insurance — coverage for both electronic and physical information, virus attacks, hackers, identity theft, and defense costs for regulatory proceedings.

Regulatory fines and penalties insurance — coverage for administrative fines and penalties a policyholder is required to pay as the result of an investigation conducted by a federal, state, or local government agency resulting from a privacy breach (such as HIPAA, HITECH, and state or federal notification requirements).

Patient notification and credit monitoring costs insurance — includes all necessary legal, IT forensic, public relations, advertising, call center, and postage expenses incurred by the policyholder to notify third parties about the breach of information. This coverage will also pay for credit monitoring for all affected parties.

Data recovery costs insurance — includes all reasonable and necessary costs to recover and/or replace data that is compromised, damaged, lost, erased, or corrupted.

TMLT's cyber liability coverage offers annual aggregate limits of $50,000 per insured physician/entity. Increased limits are available for purchase. Please contact the underwriting department or call underwriting at 800-580-8658.