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•AKA: Data Breach
•What is DB? It is the loss, theft, accidental release or accidental publication of Personally Identifiable Information
•Who needs DB? Any business that stores or handles any private business or customer information or employee data.
•What does DB do? Mitigation, Post-Breach Services, 1st party coverage, 3rd party coverage.
•Why get DB? 85% of breaches occur w/small business. Average per-record cost has increased (in 2009 it was $204.)
•How can a DB occur? Unauthorized access, stolen or lost paper files, stolen or lost laptop or disks or drive, employee error, stolen credit card information.
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California Fair Plan
Guard Insurance Group
State Compensation Insurance Fund