As an eligible account holder, you are entitled to benefits under the Master Policy referenced below. This is only a summary of the Master Policy for your convenience. This summary of insurance benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject to all terms, conditions, and exclusions of the Master Policy, even if they are not mentioned or conflict in any way with this summary. A complete copy of the Policy will be provided upon request.
 

The Master Policy for Group Identity Theft & Cyber Insurance has been issued to: Advanced Cyber Security Corp. (the “Master Policy Holder”), Policy Number: DCGC-20240201-1, underwritten by ACE Property & Casualty Insurance Company, 436 Walnut Street Philadelphia, PA 19106 (“insurance company”), a Chubb company, to provide benefits as described in this summary.

Limit Of Insurance

Coverage.              Limit

Identity Theft         $1,000,000 
 

Each coverage limit shown is the maximum amount of coverage per coverage period for you under that insuring agreement. This is the most we will pay you for the sum of all covered losses with respect to such insuring agreement during the coverage period, regardless of the number of claims. This amount of coverage is subject and not in addition to the master policy aggregate limit and the maximum policy insuring agreement amount of coverage.
 

Benefit

The insurance company will pay the reasonable and necessary costs incurred by an insured person for the following types of losses subject to the terms and conditions of the master policy.

Identity Theft

Costs when someone illegally uses your identity without your consent:

• notary or certified mailing fees and telephone expenses

• fees for loan reapplications after your original application is rejected based on incorrect credit information.

• earnings lost within 180 days after the identity theft occurrence begins from taking time off from work to fix identify theft.

• legal fees, for your defense against businesses and collection agencies; removal of unfair criminal or civil judgments; or to challenge information in your consumer credit report.

• identity theft relief service fees, to help you with the above; restore your financial accounts or credit standing with credit grantors and credit agencies; or monitor how well the fraud mitigation is working and detect additional identity fraud activity.

• additional fees up to $5,000, for travel required to fix identity theft; dependent care you need while you travel to fix identity theft; replacing official documents or records; or bail bonds or emergency legal assistance you need if arrested.
   

What you must do to make a claim

If you wish to file a claim under the Master Policy, please email: policies@advancedcybersecurity.com

This is a group master policy issued to Advanced Cyber Security Corp. If this Master Policy is terminated, your benefits will cease effective that date. It is the obligation of the Master Policy holder to inform you of any termination of the Master Policy.
 

Coverage Scope

All coverages on this policy apply only to occurrences that first take place no earlier than the effective date of this policy, is discovered during the coverage period and you must be a member of a defined group of the policy on or before the time of the occurrence. 
 

Identity Theft

Coverage applied to an identity theft event when someone illegally uses your identity without your consent as a direct result of your relationship with Advanced Cyber Security Corp.
 

Duplicate Coverages

If a loss is covered under more than one insuring agreement, we will pay you only through the part that gives you the greatest payment. We will not make duplicate payments.

If you carry other insurance or other sources of reimbursement, that is your primary coverage. It is first in line to pay any reimbursement owed to you. This coverage is your secondary coverage.
 

Other Insurance

This insurance is excess over any other insurance except that written specifically to cover excess over the amount of coverage that applies in this policy.
 

Exclusions

We do not cover:

1)     Losses resulting from a malicious or fraudulent act, including a cyber attack, by:

i.      a family member, including a domestic partner;

ii.     your current or former guardian;

iii.   your former spouse or domestic partner;

iv.    anyone who lives with you or has ever lived with you for more than six months; or

v.     anyone acting with or on behalf of anyone listed above;

2)     Losses resulting from acts by or on behalf of any domestic or foreign sovereign state, government, civil authority, military, or state-sponsored militia.

3)     We do not cover any loss caused by war, undeclared war, civil war, insurrection, riot, civil commotion, rebellion, revolution, warlike acts by a military force or personnel, usurped power, governmental intervention, expropriation or nationalization, any action taken in hindering or defending against any of these, or any consequences of any of these acts regardless of any other direct or indirect cause or event, whether covered or not, contributing in any sequence to the loss.

4)     Losses resulting from business activities.

5)     Losses resulting from a government or public authority taking, seizing or destroying your property.

6)     Losses resulting from any activity involving digital currency that is not authorized by a sovereign government as part of its currency.

7)     Losses resulting from a financial institution’s or non-bank financial institution’s financial difficulties or restructuring.

8)    Losses resulting from property damage or personal injury that affects others, and for which you may be legally liable or responsible.

9)     Losses arising from or attributable to any:

a)     dishonest, fraudulent, criminal, malicious or intentional act, error or omission, or any intentional or knowing violation of the law by you or a family member; or

b)     activity intended to realize a benefit or financial gain in which you or a family member is not legally entitled.

10)  Losses resulting from circumstances that you knew about prior to first having continuous coverage provided by us to you. If there was any period of time where we did not provide coverage to you, whether due to your removal from this group, previous policies or certificates being cancelled, nonrenewed, suspended, or moved to another insurer, then the period of continuous coverage provided by us begins again on the date that such coverage was re-established with us as the provider.

11)   Losses resulting from running for or holding an elected public office.

12)  Losses you experience while in a place designated as a “Do not travel” area by the United States Department of State, Bureau of Consular Affairs, whether or not the loss is directly related to or in the location of such travel.

13)  Losses resulting from physical injury to, or the destruction of, physical property, or your resulting inability to use that property.

14)  Losses resulting from widespread events.

 

Insured

Each natural person enrolled in a membership program of the master policyholder at the time of an occurrence. Insured shall also include any family member of such natural person.

 

Family Member

Your relative who lives with you, or any other person under 25 in your care or your relative's care who lives with you, or a student under 25 in your care temporarily away at school who is a resident of your household.

 

 

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com.  Insurance provided by ACE American Insurance Company and its U.S.- based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only.  Coverage is subject to the language of the policies as actually issued.  Surplus lines insurance sold only through licensed surplus lines producers.  Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.