Connected Homes Need Home Cyber Insurance

Eight out of ten U.S. consumers have a home WiFi or computer network and more than a third of them connect TVs, gaming consoles and other devices to the Internet. The increase in home WiFi, home networks and devices connected to the Internet is creating a new pathway for hackers and cyber thieves.

HSB Home Cyber Protection™ goes beyond any personal cyber insurance currently available by combining coverage for:

Coverage Elements and Benefits

− Pays to recover data and restore systems that have been lost or damaged due to a cyber attack including:

− Attacks involving malware or unauthorized use of owned or leased computers − Mobile devices and connected home devices

− Provides payments and professional assistance in responding to Cyber Extortion demands − Reimburses for online fraud that results in a direct financial loss

HSB Home Cyber Protection™

Online Fraud

Cyber Attack

Home Systems Attack

Cyber Extortion

Hartford Steam Boiler One State Street P.O. Box 5024 Hartford, CT 06102-5024 Tel: (800) 472-1866 www.hsb.com

Optional Coverages

− Identity Recovery (IDR)

− Data Breach

Limits & Deductible

− $25,000 or $50,000

− $500 Deductible

WiFi and Connected Devices Increase Risks

Hartford Steam BoilerHSB Home Cyber Protection™WiFi and Connected Devices Increase Risks

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This is a summary of coverages. For all coverages, terms, conditions and exclusions, refer to the actual insurance policy.

© 2017 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

HSB-198 (New 12/17)NOT IF, BUT HOW

Fraud – The insured received an email from his grandson. It said he was in a car accident and was in trouble, possibly facing criminal charges and needed money for a lawyer. Within 20 minutes the insured received another email, this time from his grandson’s lawyer. He gave a rundown of the situation and explained that this injured individual agreed to accept $5,000 to cover her costs. The insured sent a MoneyGram as instructed. After, the insured called his grandson to find out none of this had happened; he had been defrauded.

Total Paid Loss: $5,000

Claim Examples

Cyber Attack – An insured opened a file in an email and unleashed a virus. The insured had to hire an outside expert to reformat the hard drive, reinstall the operating system and restore data from the backup.

Total Paid Loss: $1,200

Home Systems Attack – A teenager was able to gain access to his neighbor’s Wi-Fi signature and all the home’s connected devices and network. Once he had access he deactivated the security system, entertainment center, network laptops and even the heating zones. The neighbor’s tried to resolve the problem but outside experts and service technicians needed to be called in.

Total Paid Loss: $900

Extortion – The insured received a ransom note on his computer screen after he’d discovered that all of his files had been locked demanding $2,000 to obtain the key to decrypt them. If the payment was not received within a week the price would increase to $3,000. After that, the decryption key would be destroyed and any chance of accessing the files on his computer and the data would be lost forever. After consultation with an expert, the insured decided to pay the ransom.

Total Paid Loss: $2,000