Hartford CyberChoice Secure
Hartford CyberChoice Secure is a cyber insurance product underwritten by Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc. (USA)), available in USA. It is aimed at small and medium-sized businesses, mid-market companies, large enterprises and multinational groups. Coverage limits reach up to Up to $5M (primary and excess; E&S).. The policy extends beyond standard cyber liability with Cyber crime / FTF and Primary & excess. Policyholders get 8 bundled proactive services — Phishing simulation, Training & awareness, Risk assessment and Incident response, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- The Hartford: one of the largest US commercial property and casualty insurers; A+ (Superior) AM Best; 200+ years' history; specialized and dedicated CyberTech Open Brokerage team.
- Appetite for businesses with revenue up to $1B; capacity up to $5M for primary and excess liability.
- Affirmative cyberterrorism coverage included across all products; affirmative allocation provision; worldwide coverage territory.
- Broad industry appetite: construction, manufacturing, professional services, retail, entertainment, financial institutions, hospitality, transportation, wholesale trade.
- Coverage (all products): data breach third-party liability (defense and damages, fines and penalties, PCI fines), cyber first-party (data breach response expense — breach coach, forensic investigation, notification, credit monitoring, PR consultant, data restoration; BI and dependent BI; system failure and dependent system failure; ransomware and extortion negotiation and payment; cyber crime).
- CyberChoice Secure: non-admitted E&S standalone cyber product; open brokerage (retail and wholesale distribution).
- Primary and excess capacity up to $5M; revenue appetite up to $1B (broader than admitted First Response product).
- E&S product designed for risks that require non-admitted placement or higher revenue thresholds.
- Pre-claim investigation and prevention assistance; FirstResponse Hotline.
Limitations
- Non-admitted (E&S) product; surplus lines brokers required.
- Revenue up to $1B.
- Open brokerage — retail and wholesale distribution.
- USA only.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Hartford CyberChoice Secure designed for?
Hartford CyberChoice Secure by Hartford Fire Insurance Company targets small and medium-sized businesses, mid-market companies, large enterprises and multinational groups in USA. Geographic scope: Global..
+What proactive security services are included with Hartford CyberChoice Secure?
The policy bundles 8 proactive services: Phishing simulation, Training & awareness, Risk assessment, Incident response, Risk platform / portal, Pre-breach advisory, Crisis management and 3rd party risk assessment. These preventive services are typically included in the premium.
+Does Hartford CyberChoice Secure help with NIS2 or DORA compliance?
Hartford Fire Insurance Company indicates the following NIS2/DORA support for this product: Not applicable..
+How can I buy Hartford CyberChoice Secure in USA?
Hartford CyberChoice Secure is sold through insurance brokers — broker contact: https://www.thehartford.com/commercial-insurance-agents/specialized-cybertech. Compare it with alternatives in USA on Ryskly before approaching a broker.