RLI Protect™

Professional service firms face a constantly-changing risk environment that now goes well beyond traditional professional liability exposures. From management consultants to staffing agencies, firms are dependent on technology more than ever before to deliver services, exposing new risk for clients to navigate.

RLI Protect™ gives your clients peace of mind in a quickly evolving risk environment, providing a customizable package approach that combines miscellaneous professional liability, technology errors and omissions, broad media liability and first- and third-party cyber coverage. RLI Protect policies feature $5 million available limits, primary or excess availability, and worldwide coverage.

Policy Features

• Available limits: $5 million
• Primary or excess availability
• Worldwide coverage
• Cyber Event Coach
• RLI Resource & Learning Center

Coverage Highlights

First Party Coverages

• Breach response cost coverage
• Business interruption and contingent business interruption, including systems failure coverage
• Data restoration
• Cyber extortion
• Social engineering fraud
• Funds transfer fraud
• Telephone fraud

Third Party Coverages

• Professional Liability
• Technology Errors and Omissions
• Third Party Discrimination
• Broad Media Liability
• Regulatory Loss Coverage
• PCI Loss Coverage

Additional Coverage Extensions

• $0 retention for event response coach
• Disciplinary proceedings
• 75/25 consent to settle provision
• Blanket additional insured coverage for professional liability where required by contract
• Broad definition of insured
• Coverage for independent contractors

Claims Scenarios

The technology risks that companies face today are more complex than ever before and no company is immune to the risks.

Scenario 1
A hacker gained access to a company’s network and stole the personal information of employees and clients. The firm incurred notification costs, credit monitoring expenses, public relations expenses and forensic expert analysis expenses.

Scenario 2
A company’s contract with a client contained a confidentiality clause protecting business information. The company lost this confidential information and was sued by their client. The company incurred substantial defense costs and damages.

Why Work with RLI?

RLI is a different kind of specialty insurance company that provides specialty commercial and personal lines insurance and bond products. RLI Protect™ policies are non-admitted insurance products underwritten by Mt. Hawley Insurance, a surplus lines subsidiary of RLI Insurance Company.

Our team has deep underwriting expertise to help our clients and their customers navigate the ever-changing and complex business liability environment. Our team members are continuously trained in cyber security threat analysis, assessment, mitigation controls and risk transfer. This focused training allows us to provide clients with holistic insurance solutions and risk management tools to protect their businesses from liability exposure. Our customers expect and consistently get a different and better insurance experience.

When you partner with RLI, you receive:

• Holistic insurance solutions with P&C policies available for most classes
• Superior claims handling
• Extensive and specialized underwriting experience
• A flexible and streamlined underwriting approach

The RLI Resource & Learning Center

We know customers expect more from you than ever before, and it is important to meet and exceed their needs. The RLI Resource & Learning Center, offered in partnership with Enquiron, is an easy and affordable way to offer your customers expert cyber security advice, services and educational resources. The RLI Resource & Learning Center gives you and your customers full access to high value tools and resources, including:

• Unlimited, customized advice from cyber experts and employment practice attorneys to help understand cyber risks and develop a custom remediation plan
• An incident response plan, customized for each business
• Initial phishing testing for your employees
• A simple online cyber assessment to identify issues and the immediate actions to address those risks
• On-demand training and webinars, including cyber security and sexual harassment prevention, available for supervisors and employees
• Resources for cyber protection and breach support
• Proactive regulatory updates

RLI Protect™ policies are non-admitted insurance products underwritten by Mt. Hawley Insurance, a surplus lines subsidiary of RLI Insurance Company. Actual terms of coverage of any insurance policy will be those set forth in the issued policy.