e-dataRESPONSE+

Given the extensive amount of personal data in medical records, health care providers are in the crosshairs of super hackers. e-dataRESPONSE+ is a cyber liability coverage offered through MEDICAL MUTUAL's subsidiary, Professionals Advocate. Whether a data breach at your practice is the result of an accident — a lost flash drive, an email sent to the wrong person, a discarded file — or malicious intent, you can be held liable for the damages. These can include regulatory fines, notifying all potential victims, immediate remediation costs, responding to any claims or lawsuits resultant from the breach, and more.


Hallmarks of e-dataRESPONSE+

  • Affordable. Especially considering the average cost of a data breach is nearly $500 per patient record.1
  • Comprehensive. We provide the expertise and resources needed to assist you through a privacy or security breach.
  • 3 Limits Available. Doctors have the option to buy $250,000, $500,000 and $1,000,000 limits. 

First Party Liability Coverages

Key Coverage Features

  • Virus and malicious code coverage
  • Unauthorized access of physically lost or stolen data storage devices
  • Electronic and paper records
  • Payment card breach (No sublimit)
  • Regulatory imposed civil fines or penalties (HIPAA)(Subject to sublimit, may not be fully covered)

Breach Notice Services Coverages

  • Credit and fraud monitoring (One year)
  • Expenses to comply with breach laws
  • Legal services
  • Forensic services
  • Notice fulfillment services
  • Breach notice response service

Third Party Liability Coverages

Security Breach Liability Coverages

  • Virus and malicious code coverage
  • Unauthorized access/use
  • Breach of service provider system
  • Inside criminal activity
  • Denial of service attack
  • Theft/loss of data on computer system
  • Extra expense to recover from breach

Privacy Liability Coverages

  • Theft or loss of PII
  • Negligent privacy violation, Correction to PII
  • Negligent privacy violation, Access to PII

Protect your practice from accidental or malicious privacy breach. Contact your Producer or call MEDICAL MUTUAL/Professionals Advocate directly at 800-492-0193.


References

  1. “Cybersecurity: The Hidden Health Tech Crisis No One’s Talking About.” HIT Consultant magazine. July 15, 2021. https://hitconsultant.net/2021/07/15/cybersecurity-hidden-health-tech-crisis/#.YPA5C-hKhaR