Converging Risk

MEDIA. TECH. E&O. CYBER.

Our Converging Risk policy is designed to address the convergence of media, tech, E&O and privacy-related exposures under one modular policy. Our unique approach to underwriting this coverage allows us to reduce potential coverage gaps in a singular policy form with minimal coverage endorsements necessary. Program eligibility includes risks with annual ratable revenues of up to $1 billion. Coverage is available for traditional media risks such as ad agencies, personal appearance, broadcasters, social media businesses and more. The program offers E&O coverage for a wide variety of tech-related companies as well as hundreds of miscellaneous professional liability classes. Coverage is available for First and Third-Party Privacy and Network Security exposures. First-Party coverage is typically available as a separate, dedicated limit in addition to the overall policy limit.

null

INSURER

Backed by the security of an “A” rated carrier

null

JURISDICTION

Available in all states

null

LIMITS

Up to $10 million (Primary or Excess)

null

RETENTIONS

Starting at $2,500

null

ELIGIBILITY

Entities with revenue up to $1 billion

Coverage Features

  • Modular policy form offers coverage components to address media, advertising, E&O and/or privacy and network security exposures
  • Preferred “Pay of behalf of,” “Duty to Defend” and “Consent to Settle” policy languages applies to all coverage components
  • Occurrence coverage available for certain media risks/segments
  • Definition of professional services customized for each risk
  • Broad definition of “Data Asset” (“information of any kind maintained by or on behalf of the insured or others in any form”)
  • First-Party Privacy coverage includes:
    • Privacy Notification Costs (including voluntary)
    • Crisis Management Expense
    • Data Restoration
    • Cyber Investigation Costs
    • Cyber Extortion
    • Business Interruption Coverage (including losses caused by Outsourced Providers)
    • Cyber Crime/ Fraudulent Transfer/ Social Engineering Coverage
    • PCI Fines and Penalties
  • Dedicated limits for First-Party privacy losses available (in addition to the policy limit of liability)
  • Full Prior Acts available

Risk Management OFFERING A ROBUST AND COMPLIMENTARY PORTAL FOR CURRENT POLICYHOLDERS Visit Portal RISK MANAGEMENT
Offering robust risk management and loss control tools. COMPLETE AN APPLICATION
Think our Converging Risk policy might be the right fit for your client's needs? Start an application today! MARKETING MATERIAL
Download our marketing sheet and start the conversation with your client about Converging Risks. Marketing Material Start the conversation with your client about EmergIn Risk's Converging Risk policy Download RISK MANAGEMENT
Offering robust risk management and loss control tools. COMPLETE AN APPLICATION
Think our Converging Risk policy might be the right fit for your client's needs? Start an application today! MARKETING MATERIAL
Download our marketing sheet and start the conversation with your client about Converging Risks. Submissions Start an application for our Converging Risk policy Download App RISK MANAGEMENT
Offering robust risk management and loss control tools. COMPLETE AN APPLICATION
Think our Converging Risk policy might be the right fit for your client's needs? Start an application today! MARKETING MATERIAL
Download our marketing sheet and start the conversation with your client about Converging Risks.