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    Cyber & Tech in Cyber & Executive Risk

    Beazley Breach Response (BBR)

    All organisations face the reality that data breaches have become inevitable. And the stakes are high. You hold personal data on trust for your customers. If they don't think your business can be trusted, the very future of your company may be at risk. A data breach is not a learning opportunity - you have too much to lose to risk mishandling it.

    360o protection

    Malicious threats like zero-day malware, ransomware, spyware and scareware are on the rise but businesses can not ignore unintended disclosure and human error risks. Business interruption, cyber extortion, loss of critical operational data and electronic crime present cumulative risks that businesses must address.

    Businesses must protect themselves on all fronts. With Beazley’s 360° approach, companies have access to a comprehensive set of solutions created to protect their business from the dangerous world of cyber risks.

    In addressing these risks, one insurance policy stands apart. BBR provides breach response services for up to 5 million persons along with coverage for payment card industry costs, regulatory defense and penalties, and first party and crime coverage.

    All BBR policyholders have access to pre-breach and risk management services and in the event of a cyber breach, BBR policyholders will work directly with Beazley’s in-house breach response team, BBR Services, and Beazley’s claim team to resolve the incident.

    Our 360° approach to cyber risk makes BBR, quite simply, the world’s best designed cyber insurance solution.

    First party coverage

    Our policy form is streamlined and comprehensive to cover your organisation seamlessly in the event of a cyber breach. The BBR policy includes:

    • First party coverage for cyber extortion;
    • Data recovery costs;
    • Business interruption resulting from security breaches and system failures;
    • Contingent business interruption from incidents occurring at the policyholder’s vendors and suppliers; and
    • eCrime coverage.

    In expanding our coverage, we have built on the unique policy design that has made Beazley a leader in cyber insurance since 2009. BBR offers more coverage per dollar of premium, through multiple towers of coverage that ensures the breach response costs covered under the policy do not erode your third party limits.

    Learn more about the coverage and BBR Boost.

    BBR Services

    A cyber breach isn’t always a disaster. Mishandling it is. Beazley is unique among insurers in having a dedicated business unit, BBR Services, that focuses exclusively on helping clients manage cyber incidents successfully.

    BBR Services is a dedicated team of cyber breach professionals who assist BBR policyholders at every stage of incident investigation and breach response. They coordinate the carefully vetted forensics experts and specialized lawyers to help you establish what’s been compromised; assess your responsibility; and notify those individuals affected. In addition, BBR Services coordinates credit or identity monitoring for your customers and PR advice to help you safeguard your reputation.

    We also, of course, indemnify your losses from lawsuits or regulatory actions, the risk of which may be reduced by a well-coordinated breach response but can never be completely eliminated. Beazley’s claims team has been at the forefront of defending clients in the developing and evolving legal arena of privacy class actions and regulatory investigations arising from cyber breaches.

    Beazley invented this comprehensive approach. We do more of it than anybody else. To date we have managed thousands of breaches swiftly and successfully.

    Pre-breach and risk management

    We recognize that preparing for and preventing breaches have become inseparable from insuring a cyber loss. Beazley offers a full suite of pre-breach breach and risk management services through our in-house BBR Services team and Lodestone Security.

    BBR Services provides a full range of resources to help mitigate risks before an incident occurs. On our Beazley owned and managed risk management portal,, you will find resources for incident response planning, employee training, compliance, and security best practices. Newsletters and live expert webinars educate you about the latest threats, preventive steps, and regulatory developments. BBR Services also coordinates a variety of pre-breach services such as onboarding calls, incident response plan reviews and on-site workshops so you can improve the robustness of your cybersecurity.

    With the increasing need for pre-breach and cyber-security services, Beazley has established Lodestone Security LLC to offer both strategic and tactical services and expertise to enhance the cyber defenses of small and mid-sized firms, because you shouldn’t have to be a Fortune 500 company to afford rigorous cybersecurity. Smaller organisations are targeted as frequently as major corporations, but often lack access to the internal expertise and resources that large businesses can draw upon.

    BBR policyholders will have access to services from Lodestone Security at negotiated rates.


    Addressing the myriad of legal and regulatory responsibilities associated with a data breach is complicated. Often a patchwork of state laws dictates unique data protections and response obligations industry by industry. Sometimes they require costly internal investigations, significant expenses on outside vendors and, ultimately, sensitive communications to the public. Mismanaging aspects of the response can have severe financial and legal consequences.

    The publicity and consumer dissatisfaction that surround a data breach have spurred a wave of class action complaints against organisations big and small. Relying on a variety of privacy laws, enterprising plaintiffs' lawyers have filed complaints seeking billions of dollars in damages. The risk of crippling damages, and the sizeable costs of litigation, often push organizations to settle even in the absence of any clear harm to the affected individuals.

    State and federal regulators have made one point fundamentally clear: a significant breach of protected data will result in monetary penalties, onerous corrective action plans, and on-going audits. Whether from the Federal Trade Commission or state attorneys general, the regulatory landscape for virtually any organisation carries an immense amount of risk.

    In addition to covering your business, BBR also protects your partners though third party coverage. Third party coverage includes:

    • Third party information security and privacy coverage with up to $15M in limits in addition to the breach response coverage
    • Regulatory defense and penalties
    • Website and offline media liability
    • PCI fines, penalties and assessments
    • Cyber extortion
    • First party business interruption and data protection with limits up to $15 million.

    Beazley, a leading insurer of technology and information security risks, has developed BBR, a solution to privacy breaches and information security exposures designed to manage breaches and restore public trust quickly and effectively. BBR is a complete privacy breach response management and information security insurance solution which includes a range of services designed to help you respond to an actual or suspected data breach incident effectively, efficiently, and in compliance with the law.

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