Cyber Liability Insurance Program for Authorized Agents And Agencies of Blue Cross and Blue Shield of Illinois

This Cyber Liability Insurance Program is designed exclusively for authorized Agents and agencies of Blue Cross and Blue Shield of Illinois.

Are you protected against the costs of a data breach?

It could be a lost laptop, or a persistent attack by hackers a world away. Every breach is different — and every one requires a smart, strategic response. This Cyber Liability Insurance Program offers a cyber risk protection that provides first class assistance to take the pain out of dealing with a data breach.

Welcome Introduction

  • Cyber liability is insurance coverage specifically designed for BCBS agents to protect their business for incidents that involve breach of private data and communications in many different formats including paper, digital or otherwise.

Pricing Information

Insured Revenue
$250K Limit
$500K Limit
$1M Limit
$2M Limit
$0 - $1M
$1 - $2.5M
$2.5M - $5M

  • Accepted Payment Methods: MasterCard, Discover, American Express and Visa
  • Pricing shown includes premium only. Additional state required fees may apply based on the applicant's principal address. Additional limits and revenue tiers available.

Program Eligibility

  • Antivirus and firewalls that protect the insured's computer system(s) are required to bind coverage.
  • For agents domiciled in VT or a U.S. Territory, submit for a custom quote. Program is not available for agents domiciled in VT or U.S. Territories.
    • Please Note: Agents licensed under a non-resident license in VT or U.S. Territories, are eligible for the program.

Program Features

  • Designed to protect and defend the insured from liability claims involving the unauthorized release of information for which the insured has a legal obligation to keep private or confidential. This policy also provides for the provision of expert resources and monetary reimbursement to the Insured for the out-of-pocket (1st Party) expenses associated with the appropriate handling of these claims.
  • Specific coverages include:
    • A. Privacy Liability (including Employee Privacy): provides “Privacy Breach” protection against the violations of any rights to privacy and includes public disclosure of a person’s private information.
    • B. Privacy Regulatory Claims Coverage: provides coverage for both legal defense and the resulting fines/penalties emanating from a regulatory claim for breach or violation of a Federal, State, local, or foreign privacy regulation.
    • C. Security Breach Response Coverage: 1st Party coverage that reimburses an Insured for costs incurred in the event of a security breach of personal, non-public information of their customers or employees including public relations, IT forensics, and credit monitoring services.
    • D. Security Liability: provides coverage for the Insured for allegations of a “Security Wrongful Act” including authorized 3rd party system access failure, failure to prevent any unauthorized access, failure to prevent false communications, and more.
    • E. Multimedia Liability: provides coverage against allegations of defamation, libel, slander, and intellectual property infringement, related to the insured's communication of media content in electronic (social media, website, etc.) or non electronic forms.
    • F. Cyber Extortion: provides expense and payments to a harmful third party to avert potential damage threatened against the Insured such as the introduction of malicious code, system interruption, data corruption or destruction or dissemination of personal or confidential information.
    • G. Business Income and Digital Asset Restoration: provides for lost earnings and expenses incurred because of a security compromise that leads to the failure or disruption of a computer system, or, an authorized third-party’s inability to access a computer system. In order to be eligible for this coverage, you must back up your data at least once a week and store in an offsite location.
    • H. PCI DSS Assessment: responds to PCI compliance assessments as well as claims expenses in the wake of a breach involving cardholder information.
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous cyber liability & data breach coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Coverage Limits

  • Limit Options Available:
  • $250K per claim / $250K annual aggregate
  • $500,000 per claim / $500,000 annual aggregate
  • $1 Million per claim / $1 Million annual aggregate
  • $2 Million per claim / $2 Million annual aggregate

Deductibles and Retentions

  • $1,000 retention each claim

Policy Exclusions


  • Your coverage is secured by BCS Insurance Company.
    BCS Insurance Company is A.M. Best "A-" (Excellent) VIII rated carrier.
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  • A.M. Best rating and other disclosures.
  • All policy documents are delivered in electronic format by default. You can manage your renewal notice delivery options by visiting "Current Policyholders" menu option at the top of the page.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

  • Gallagher Affinity
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.
  • Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.