Cybersecurity

The policy has an enhanced definition of “employee,” which includes all classes of employees, including independent contractors and attorneys retained by the insured while performing legal or consulting services for the insured.

As the directors & officers (D&O) market shifts from soft to hard, it is a prime time for independent agents to identify emerging trends and changing exposures for their clients.

While D&O and cyber liability policies offer distinct coverage differences, many companies mistakenly believe they do not require separate policies.