States affected: AK, AR, ID, KS, LA, MN, MT, NM, NC, OK, OR, RI, SD, VT, WY

According to Verizon’s 2022 Data Breach Investigations Report, small businesses are extremely vulnerable to malware, ransomware and phishing attacks — and could go out of business from one incident. Make sure your clients are protected with cyber suite, now available for monoline general liability (GL) and business package policies in select states — with expanded limits of up to $5 million to provide protection for more complex business exposures.

In Alaska, Louisiana and North Carolina, cyber suite for GL and business package policies is available for policies with effective dates on or after October 1. 

Offered through the Hartford Steam Boiler Inspection and Insurance Company and replacing the data security endorsement for business package policies, cyber suite gives your small commercial clients more robust coverage for today’s digital world.

How to add cyber suite

Coverage can be selected at new business or midterm by endorsement. Business package policies that currently include the data security endorsement will receive policyholder notices at renewal advising of the new endorsement being added to the renewal policy and a summary of the changes. Cyber suite will automatically attach on new business quotes for comprehensive business packages and will display within the Optional Coverages under the Summary of Policy Coverages*. To add cyber suite to monoline GL or custom protector policies, select Cyber Suite from the Optional Coverages Type dropdown in eCLIQ^®.

When quoting limits over $1 million, you will be prompted to fill out a supplemental form so our dedicated underwriters can assist you with a personalized quote.

Add optional cyber fraud coverage

For the highest level of protection for your clients, be sure to add the optional set of cyber fraud coverages, too. From the Summary of Policy Coverages section, find Cyber Suite under Optional Coverages and click Edit. Select an insurance limit from the Limit of Insurance dropdown, check the box for Include Cyber Fraud Coverage and the cyber fraud limit will populate accordingly. Click Update to save your changes.

To learn more about cyber suite for monoline GL and business package policies, visit the product page  and register for an upcoming webinar.

*Louisiana: Cyber suite will not attach automatically on new business quotes for comprehensive business packages, and you’ll need to manually select cyber suite within Optional Coverages in eCLIQ.

Cross-selling umbrella with a business owner’s policy (BOP) just got easier! When quoting a BOP for certain targeted business classes in eCLIQ Simple, you’ll now see a pop-up box displaying a premium estimate for a minimum-premium umbrella policy. The pop-up box also displays some useful talking points about why your client should consider adding umbrella coverage. To add umbrella to the BOP you’re quoting, simply click Add – eCLIQ Simple will prefill important details and walk you through the rest.

With the exception of LA, this new cross-sell feature is available in all states where agents can write a BOP in eCLIQ Simple. BOP in eCLIQ Simple is not available in AK, CA, FL, HI, KY, ME, MT, NH, NY, RI, and VT.

Finding the right product fit for your clients should be easy. That’s why we created the Package/Product Determination Tool to route you to the best package product before you even begin a quote.

We recently made enhancements to this tool for an even better quoting experience. Enjoy features such as:

• Dynamic business description search field, so you can search by type of business, ISO code or SIC code.
• Indication of whether your client’s business is within appetite before prompting you to answer underwriting and product fit questions, so you know when to move forward or when to move on.
• Fewer underwriting and product fit questions, so you can complete your quote faster.
• Integration into eCLIQ®’s main menu, for a more streamlined quoting experience.

The new tool will eventually replace the Pre-Qualify Tool, offering more robust information about our appetite and a more streamlined quoting experience all in one. Check it out today by clicking the Appetite tab directly within eCLIQ. For detailed guidance, see our helpful user guide.