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From the Main Street America Group

If you have read any of my blogs, i am very proud to represent THE MAIN STREET AMERICA GROUP. The following information describes the "What is covered" and "Why it needs to be covered".

This applies to Business Insurance Policies or BOPs (Business Owners Policies)
Identity Recovery

Identity Recovery insurance combines identity theft insurance with services that help identity fraud victims restore their credit history and identity records to pre-theft status. Coverage and service are provided for key owners of a commercial entity. This means that while identity Recovery coverage is attached to a commercial lines policy, we are not insuring against the theft of the business identity itself, but rather the theft of identities of key individuals involved in the business.

Data Compromise

Data Compromise coverage is designed to help our insureds contact and assist affected individuals and businesses following a breach of personal identifying information. Response Expense coverage covers the cost of notifying clients, employees and others affected by the breach. Additionally, this coverage provides coverage for specialized services such as credit monitoring and identity restoration that help businesses retain their clients' and employees' trust and goodwill following a breach. Defense and Liability coverage responds to third-party actions brought against the insured by individuals affected by the breach.


CyberOneTM coverage protects businesses against damage to electronic data and computer systems from a virus or other computer attack. It also  protects a businesses' liability to third parties that may have suffered damage due to security weaknesses in the businesses' system.

The easiest way to differentiate our Identity Recovery, Data Compromise and CyberOneTM  products is to recognize that each product insures unique data and privacy exposures.

With Identity Recovery, we are insuring the identity of key individuals of the business and providing victims of identity theft with case management support to help restore the victim's identity to pre-theft status, as well as providing out of pocket expense recovery.

With Data Compromise, we are insuring a commercial entity when there is a data breach, theft or unauthorized disclosure of personal information. The policy also helps the insured to be compliant with breach notification laws and requirements and offers services to affected individuals such as credit monitoring. And finally, it can provide defense and liability costs for actions brought by affected individuals as a result of breach of personal information.

With CyberOneTM, we are insuring a commercial entity for events that damage or degrade their own operational data systems. Furthermore, it can pay defense and liability costs for an insured's systems security failure, including the breach of third-party business information.

For more information on these products or on any of our products, please call 704-821-0422 or visit our website at

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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