Comprehensive protection against a broad range of cyber threats, with coverage that extends across the entire household so your clients can stay protected and connected with confidence.
Seamlessly integrates into homeowners’ and tenants’ policies, making it easy for Sovereign partners to offer protection at scale. Flexible limits and deductibles let you tailor coverage to meet your clients’ needs.
Proactive protection against cyber threats, backed by 24/7 expert support and financial coverage to help clients recover quickly and confidently.
Limits available from $10K to $100K at a $500 or $1,000 deductible. Higher Limits are available for select insureds.
Covers expenses arising from cyberbullying incidents, including legal fees and counseling services.
Claims Scenario: A child is a victim of online harassment, leading to emotional distress and the need for therapy. The policy covers therapy costs and legal fees for removing harmful online content.
Provides reimbursement for financial losses stemming from phishing attacks, online scams, fraudulent fund transfers, or compromised accounts.
Claims Scenario: You fall victim to a phishing scam and unknowingly provide your bank details, leading to unauthorized transactions. The policy covers financial losses and recovery expenses.
Covers extortion expenses and extortion monies resulting from credible threats that include demands for extortion monies.
Claims Scenario: A hacker threatens to release sensitive personal information unless a ransom is paid. The policy covers the ransom payment and associated expenses.
Provides reimbursement for costs associated with cyber‑related disruptions to home digital systems, including temporary relocation or lost wages.
Claims Scenario: Your smart lock is hacked, locking you out of your own home. The policy covers the costs of temporary relocation and lost wages.
Provides reimbursement for the loss, corruption, or destruction of digital assets caused by a security failure in your device or that of a service provider.
Claims Scenario: A malware attack corrupts your important digital files. The policy covers the costs to restore or replace the affected digital assets.
Covers expenses resulting from an unintended privacy breach, including notifications, credit monitoring, and required communication to affected individuals.
Claims Scenario: As a volunteer for your son’s school hockey team, you accidentally share sensitive personal data of team members online, leading to a privacy breach. The policy covers the costs of notifying affected individuals and providing credit monitoring services.
Includes support such as cybersecurity consultancy, online content remediation, and PR services to address and mitigate digital privacy incidents.
Claims Scenario: False information about you is published online, damaging your reputation. The policy covers the costs of hiring a public relations firm to manage the crisis.
Includes support such as identity recovery services, legal assistance, and ongoing monitoring following an identity theft event.
Claims Scenario: Your identity is stolen, and fraudulent accounts are opened in your name. The policy covers the costs of legal assistance and recovery services.
Covers expenses resulting from cyber events affecting home‑based businesses, including fraud, extortion, digital asset loss, and privacy breaches.
Claims Scenario: A phishing email impersonating a vendor leads you to make a fraudulent payment. The policy reimburses the loss and covers related response expenses.
Covers expenses arising from cyberbullying incidents, including legal fees and counseling services.
Claims Scenario: A child is a victim of online harassment, leading to emotional distress and the need for therapy. The policy covers therapy costs and legal fees for removing harmful online content.
Provides reimbursement for financial losses stemming from phishing attacks, online scams, fraudulent fund transfers, or compromised accounts.
Claims Scenario: You fall victim to a phishing scam and unknowingly provide your bank details, leading to unauthorized transactions. The policy covers financial losses and recovery expenses.
Covers extortion expenses and extortion monies resulting from credible threats that include demands for extortion monies.
Claims Scenario: A hacker threatens to release sensitive personal information unless a ransom is paid. The policy covers the ransom payment and associated expenses.
Provides reimbursement for costs associated with cyber‑related disruptions to home digital systems, including temporary relocation or lost wages.
Claims Scenario: Your smart lock is hacked, locking you out of your own home. The policy covers the costs of temporary relocation and lost wages.
Provides reimbursement for the loss, corruption, or destruction of digital assets caused by a security failure in your device or that of a service provider.
Claims Scenario: A malware attack corrupts your important digital files. The policy covers the costs to restore or replace the affected digital assets.
Covers expenses resulting from an unintended privacy breach, including notifications, credit monitoring, and required communication to affected individuals.
Claims Scenario: As a volunteer for your son’s school hockey team, you accidentally share sensitive personal data of team members online, leading to a privacy breach. The policy covers the costs of notifying affected individuals and providing credit monitoring services.
Includes support such as cybersecurity consultancy, online content remediation, and PR services to address and mitigate digital privacy incidents.
Claims Scenario: False information about you is published online, damaging your reputation. The policy covers the costs of hiring a public relations firm to manage the crisis.
Includes support such as identity recovery services, legal assistance, and ongoing monitoring following an identity theft event.
Claims Scenario: Your identity is stolen, and fraudulent accounts are opened in your name. The policy covers the costs of legal assistance and recovery services.
Covers expenses resulting from cyber events affecting home‑based businesses, including fraud, extortion, digital asset loss, and privacy breaches.
Claims Scenario: A phishing email impersonating a vendor leads you to make a fraudulent payment. The policy reimburses the loss and covers related response expenses.
Personal cyber insurance helps reduce financial impact and provides support after events like online fraud, cyberbullying, identity theft, cyber extortion, and privacy breaches.
Sovereign Secure Personal Cyber extends homeowner or tenant policies with incident response support and coverage for certain expenses and financial losses from covered cyber events.
Personal cyber insurance helps address gaps in traditional coverage related to cyber risks. Our solution is available for Sovereign partners to include within homeowners’ and tenants’ policies. It is easy to place and built to perform at scale. To learn more, speak with your Sovereign representative.
This product is broadly applicable to personal lines customers with a digital presence. For client-facing education and materials, please contact your Sovereign representative to get access to our Cyber Resource Center.
Coverage varies by option selected and policy wording. Refer to the Personal Cyber Sell Sheet for full coverage details and claim scenarios.
Available limits range from $10,000 to $100,000, with deductibles starting at $500, increasing as higher limits are selected.
Exclusions and limitations apply; for example, coverage does not apply to intentional or dishonest acts, pre-existing incidents, losses reimbursed by a financial institution, or business activities (unless the optional Home Business Package is purchased). Refer to the policy wording for full details.
Eligibility depends on policy type and location. The insured’s principal residence must be in Canada.
The endorsement can be added at new business or renewal, subject to underwriting guidelines.
Coverage is designed to protect the named insured and members of their household.
Customers should report incidents as soon as they are discovered to enable timely response and support. Refer to incident response guidelines in the resource center for detailed guidance.
Covered scenarios may include phishing, online cyber fraud and scams, ransomware, identity theft, cyberbullying, or compromised connected devices, subject to policy terms.
Claims are handled under the applicable coverage. Any impact on premiums or renewal may vary depending on the situation.
Designed as an affordable add-on to home or tenant policies, with pricing based on selected limits and deductibles.
Different personal cyber products can vary significantly in what they cover, the services included, and how claims support is delivered. Sovereign Secure Personal Cyber is designed to provide broad, practical protection for common household cyber risks.
