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Harford Mutual Introduces Cyber Liability Coverage for Commercial Lines


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(BEL AIR, MD)  Harford Mutual Insurance Company has announced that it has launched its new product—Cyber Liability Coverage—on all Commercial Lines across its regional territory of Maryland, Delaware, Pennsylvania, New Jersey, Virginia, North Carolina, Tennessee, and the District of Columbia. The coverage, made available through NAS Insurance with support from Lloyd’s of London and Tokio Marine Kiln, was effective April 1, 2016.

“With the increasing attacks and their costly impact on organizations and businesses of all sizes, cyber protection is an essential addition to any policy,” states John Goodin, Senior Vice President Commercial Business Services.  “We looked for a partner that could provide a comprehensive product that would work for our entire book of business, and we found that with NAS Insurance.”

According to Privacy Rights Clearinghouse, 62% of all attacks are targeted at small to mid-sized businesses with the average cost of a breach reaching over $180,000. “That kind of damage could cripple most small businesses, so this coverage should not be viewed as optional,” explains Goodin.

Harford Mutual’s coverage will provide first and third party claims with no application and no deductible required. Coverage includes legal counsel services, IT security and forensic experts, public relations and advertising support and credit monitoring and identity theft restoration services. Additionally, policyholders have access to a FREE education web portal with unlimited use of forms, checklists, and tutorials to help them train their employees, implement best practices, and prevent and mitigate a data or cyber breach.

The Identity Theft Resource Center indicates that with 93 recorded breaches in January 2016 alone, the year is on target to see a record number of stolen files and profiles.

The Harford Mutual Insurance Company, headquartered in Bel Air, Maryland, was founded in 1842 and provides property and casualty insurance products and services to a regional market. They are licensed in Maryland, Delaware, Pennsylvania, New Jersey, Virginia, North Carolina, Tennessee, and the District of Columbia. Harford Mutual is rated A (Excellent) by A.M. Best, the leading credit rating organization dedicated to serving the global insurance industry. For more information visit

About HBA of Delaware

HBA/DE has been an integral part of the growth and economic development of the State of Delaware since 1947. HBA/DE was founded as a non-profit state affiliate of the National Association of Home Builders (NAHB) representing home builders and other businesses directly related to Delaware's Home Building Industry. Consisting of Builders, Remodelers and a group of diversified associate members, the Home Builders Association of Delaware strives to protect and preserve housing as a symbol of America.


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