- significant exposure
- payment card industry (PCI)
- class action lawsuits
- regulatory investigations
- Why Beazley?
- coverage
Retailers are prime targets for cyber criminals as retailers transmit and store large amounts of consumer and employee information including credit card data. Point of sales systems are an easy entry point, especially if point to point end encryption is not implemented properly. Once such a breach occurs, compulsory data breach notification laws will ensure that the public knows about the event, posing a significant risk to the retailer’s reputation and brand.
Commerce without credit and debit card payments is unimaginable. Whether at the point-of-sale, online, or through a call center, the retail industry processes a staggering volume of credit card transactions. Credit card breches, which the card brands frequently detect before the organization even suspects any foul play, can result in fines, penalties, mandated computer forensic costs, legal fees, and worst of all, the inability to process payments.
All companies that accept, process, store or transmit credit card information must be in PCI compliance with the PCI Data Security Standards (PCI DSS). These rules require merchant banks, processors, and merchants to maintain specific requirements to protect credit card data from being stolen.
The publicity and customer dissatisfaction that surround a cyber breach have spurred a wave of class actions against retailers big and small. Enterprising plaintiffs’ lawyers relying on a variety of privacy laws 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 plaintiffs.
State and federal regulators have made it clear that a significant breach of customer information 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 retailers carries an immense amount of risk.
Beazley, a leading insurer of technology and information security risks, has developed Beazley Breach Response (BBR), a solution to privacy breaches and information security exposures tailored to the needs of higher education.
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 cyber breach incident effectively, efficiently, and in compliance with the law.
Breach response
- Legal services
- Computer forensic services
- Notification services for up to 5 million affected individuals
- Call center services
- Credit monitoring, identity monitoring or other personal fraud or loss prevention solutions
- Public relations and crisis management expenses
- All of the policy’s multiple limits will be available for breach response.
First party
- Business interruption loss from security breach or system failure
- Dependent business interruption loss from security breach or system failure
- Cyber extortion loss
- Data recovery loss
- Data and network liability.
Third party coverage
- Third party information security and privacy coverage with up to $15M
- Full media liability
- Regulatory defense and penalties
- Payment card liability and costs.
eCrime
- Fraudulent instruction
- Funds transfer
- Telephone fraud.
Criminal reward coverage
![]()
Not if, but when. Any retail business handling customer data will, sooner or later, be confronted with the challenge of a cyber breach. It's not a matter of "if" but "when".
Retail team
Breach Response Services

Beazley Breach Response Services Manager
Luke Green
Philadelphia, PA, USA
+1 215 446 8453
luke.green
Beazley Breach Response Risk Manager
Frank Quinn
New York, NY, USA
+1 212 801 7135
frank.quinn
Beazley Breach Response Technical Sales
Alex Ricardo
New York, NY, USA
+1 212 801 7111
alex.ricardo
Beazley Breach Response Services Manager
Michelle Schauerman
Philadelphia, PA, USA
+12675348490
michelle.schauermanClaims

Claims Focus Group Leader - Small Business Cyber & Technology
Bolanle Akinrimisi
Atlanta, GA, USA
+1 770 351 1697
Bolanle.Akinrimisi
Claims Team Leader - Cyber & Tech
Marcello Antonucci
New York, NY, USA
+1 212 801 7170
marcello.antonucci
Claims Manager
Laura Cella
Philadelphia, PA, USA
+1 215 446 8412
Laura.Cella
Group Head of Claims
Beth Diamond
New York, NY, USA
+1 212 801 7116
beth.diamond
Claims Manager
Donna Hahn
Denver, CO, USA
+1 303 927 1546
donna.hahn
Claims Manager
Tim Jacobs
Chicago, IL
+1 312 476 6266
tim.jacobs
Claims Manager
Jackie Jones
Philadelphia, PA, USA
+1 215 446 8432
jackie.jones
Claims Manager
Dakai Pouncey
New York, NY, USA
+1 212 801 7123
dakai.pounceyUnderwriters

Underwriter - Cyber & Technology
Nyreese Arzu
+12132287711
Nyreese.Arzu
Underwriter - Cyber & Technology
Whitney Barrett
Seattle, WA, USA
+1 206 694 1211
Whitney.Barrett
Assistant Regional Manager – Cyber & Technology
Jenn Beard
Houston, TX, USA
+1 832-423-0422
jenn.beard
Focus Group Leader - London Wholesale Middle Market, Cyber & Tec
Lucy Cantlay
London, UK
+44 207 674 7816
lucy.cantlay
Underwriter - Cyber & Technology
Sean Connors
San Francisco, CA, USA
+1 415 263 4048
sean.connors
Head of London Market Wholesale Cyber & Technology
Alec Cramsie
London, UK
+44 (0) 207 674 7589
alec.cramsie
Southwest / South Central Regional Manager - Cyber & Technology
Serene Davis
Los Angeles, CA, USA
+1 213 228 7709
serene.davis
Underwriter - Cyber & Technology
Aimee Davis
Los Angeles, CA, USA
+1 213 228 7749
Aimee.Davis
Underwriter - TMB
Jessica Dixon
Chicago, IL, USA
+1 312 476 6218
Jessica.Dixon
Underwriter - Cyber & Technology
Erica Ducharme
Farmington, CT, USA
+1 860 677 3775
erica.ducharme
Head of London and International Underwriting Management, Cyber
Aidan Flynn
London, UK
+44 (0) 207 674 7812
aidan.flynn
Large Risk Underwriter - Cyber & Technology
Tim Gallagher
New York, NY, USA
+1 212 801 7188
tim.gallagher
Underwriter
Jim Gallery
+1 312 476 6232
Jim.Gallery
Underwriter - Cyber & Technology
Brittany Gulans
+12132287753
Brittany.Gulans
Underwriter - Cyber & Technology
Matt Gullickson
Chicago, IL, USA
+1 312 476 6237
Matt.Gullickson
Assistant Regional Manager – Cyber & Technology
Ashley Heller
+12128017160
ashley.heller
Underwriter - Cyber & Technology
Sunmi Hirata
Dallas, TX, USA
+1 972 419 8009
sunmi.hirata
Underwriter - Cyber & Technology
Sumira Iftikhar
Atlanta, GA, USA
+1 770 351 1731
sumira.iftikhar
Underwriter - Cyber & Technology
Anna Kagan
Miami, FL, USA
7868433229
anna.kagan
Regional Manager - Midwest - Cyber & Technology
Brett Kreiter
Chicago, IL, USA
+13124766217
brett.kreiter
Northwest Regional Manager - Cyber & Technology
Bala Larson
San Francisco, CA, USA
+1 415 263 4053
bala.larson
Underwriter - Cyber & Technology
Jenny Manning
Philadelphia, PA, USA
+1 215 446 8445
Jennifer.Manning
Underwriter - Cyber & Technology
Brian Manoy
+12154468476
Brian.Manoy
Underwriter - Cyber & Technology
Sara Mastronardo
San Francisco, CA, USA
+1 415 263 4088
sara.mastronardo
Underwriter - Cyber & Technology
Rich Michaels
Chicago, IL, USA
+1 (312) 476 6255
rich.michaels
Underwriter - Cyber & Technology
Megan Moore
Boston, MA, USA
+1 617 239 2612
megan.moore
Underwriter - Cyber & Technology
Asia Nash
San Francisco, CA, USA
+1 415 263 4089
asia.nash
Head of US Large Accounts
Justin Patrick
Atlanta, GA, USA
+1 770 351 1754
justin.patrick
Underwriter - US Cyber & Tech
Kaitlyn Pezik
New York, NY, USA
+1 212 801 7156
kaitlyn.pezik
Underwriter - Cyber & Technology
Leah Saltzman
Chicago, IL, USA
1 312 476 6249
leah.saltzman
Regional Manager - Cyber & Technology, Northeast
Kyle Sawdey
Philadelphia, PA, USA
+1 215 446 8427
kyle.sawdey
Southeast Regional Manager - Cyber & Technology
Desiree Spain
Atlanta, GA, USA
+1 770 351 1676
desiree.spain
Assistant Regional Manager – Cyber & Technology
Elizabeth Springer
Boston, MA, USA
+1 617 239 2611
Elizabeth.Springer
Underwriter - Cyber & Technology
Stephen Sroka
Atlanta, GA, USA
+1 770 351 1726
stephen.sroka
Underwriter - Cyber & Technology
Janice Stevenson
New York, NY, USA
+1 212 801 7145
janice.stevenson
Underwriter - Cyber & Technology
Mayra Tamez
Dallas, TX, USA
+1 972 419 8028
Mayra.Tamez
Underwriter - Cyber & Technology
Jimmy Trauthwein
Chicago, IL, USA
+1 312 476 6267
Jimmy.Trauthwein
Underwriter - Cyber & Technology
Ethan Ulmer
+16172392601
Ethan.Ulmer
Head of Underwriting Management. Cyber & Tech
Bob Wice
Farmington, CT, USA
+1 860 677 3779
Robert.Wice
Underwriter - Private Enterprise
Laura Wiggs
Farmington, CT, USA
+1 860 674 3988
laura.wiggs2
Underwriter - Cyber & Technology
Brandon Wilkerson
Los Angeles, CA, USA
+1 770 351 1772
Brandon.Wilkerson
Underwriter - Cyber & Technology
Cory Yost
+1 770 351 1774
Cory.Yost