In today's day and age, it often times feels like the cyber criminals are always one step ahead of the rest of us and we are just one security breach away from violating HIPAA rules and regulations or losing a ton of money because our bank accounts are emptied. That's why Cyber Insurance is crucial these days. Privacy Wrongful Act Breach of duty committed by the Insured or Third Party Contractor which results in: misappropriation or disclosure of Personally Identifiable Infor

With the changes to the Obamacare, and the DOL rule, it is crucial that employers protect themselves if they have benefits programs. Many employers don't realize they can be held liable for a benefits plan that wasn't properly set up for its employees. Fiduciary Liability Insurance provides legal defense expenses, settlement/judgement costs and fines and penalties for Wrongful Acts committed by a Fiduciary, Administrator and/or Sponsor Organization of a Covered Plan. This ex