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Did You Know?

In 2014, the FBI reported 5,500,000 laptops were stolen the past 3 years in the United States.

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Number of Businesses with Cyber Liability Insurance

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Prices & Rates for Cyber Liability Choice Select

PlanPer OccurencePer AggregateAnnual Premium
Bronze$5,000$5,000$109
Bronze–Plus$5,000$12,000$149
Silver$10,000$10,000$209
Silver–Plus$15,000$15,000$249
Gold$20,000$20,000$289
Gold–Plus$25,000$25,000$329

First-Party Breach Endorsement (“FPB”)

$45 per year; covers insured and any three office workers of the insured from these classes: secretary, receptionist, administrative clerical worker.

Prices & Rates for General Liability

For Individual Healthcare Professionals
ProfessionPer OccurencePer AggregateAnnual Premium
Social Worker$1,000,000$3,000,000$315
Mental Health/Other$1,000,000$3,000,000$350
Psychologist$1,000,000$3,000,000$435

Prices & Rates for General Liability

For Social Services Agencies
Annual RevenuePer OccurencePer AggregateAnnual Premium
Under $250,000$1,000,000$3,000,000$650
$250,001-$500,000$1,000,000$3,000,000$890
$500,001-$750,000$1,000,000$3,000,000$1,130
$750,001-$1,000,000$1,000,000$3,000,000$1,370
$1,000,001-$1,250,000$1,000,000$3,000,000$1,610
$1,250,001-$1,500,000$1,000,000$3,000,000$1,850
$1,500,001-$1,750,000$1,000,000$3,000,000$2,090
$1,750,001-$2,000,000$1,000,000$3,000,000$2,330

Prices & Rates for Professional Liability

For Individuals (Professionals)
Please Note: The $3,000,000/$5,000,000 Limits of Liability option is only available for residents of Virginia.
Limits of LiabilityAllied Health Professional
$1,000,000/$3,000,000$212
$1,000,000/$5,000,000$225
$2,000,000/$4,000,000$239
$3,000,000/$5,000,000$254
For Business Entities – Claims-Made Policy
Please Note:
• The $3,000,000/$5,000,000 Limits of Liability option is only available for businesses based in Virginia.
• Use the Professional Staff category for employees working as Social Workers, Counselors, Therapists, and other Behavioral Health Professionals.
Limits of LiabilityFlat CoveragePsychiatrist per personPsychologist per personProfessional Staff per personOther/Non-Clerical per person
$1,000,000 – $3,000,000$212$1,514$462$126$29
$1,000,000 – $5,000,000$225$1,610$491$134$30
$2,000,000 – $4,000,000$239$1,606$490$134$30
$3,000,000 – $5,000,000$254$1,606$490$134$30
For Business Entities – Occurrence Policy
Please Note:
• The $3,000,000/$5,000,000 Limits of Liability option is only available for businesses based in Virginia.
• Use the Professional Staff category for employees working as Social Workers, Counselors, Therapists, and other Behavioral Health Professionals.
Limits of LiabilityFlat CoveragePsychiatrist per personPsychologist per personProfessional Staff per personOther/Non-Clerical per person
$1,000,000 – $3,000,000$578$1,514$462$126$29
$1,000,000 – $5,000,000$615$1,610$491$134$30
$2,000,000 – $4,000,000$613$1,606$490$134$30
$3,000,000 – $5,000,000$613$1,606$490$134$30

Rates for Adoption and Foster Care

Supplements I and II
Please Note:
• The $3,000,000/$5,000,000 Limits of Liability option is only available for businesses based in Virginia.
Limits of LiabilityAdoptions (up to 10 Annually)Adoptions (over 10 Annually)Foster Care (up to 50 Annually)Foster Care (over 50 Annually)General Home Care
$1,000,000 – $3,000,000$623$623$623$623$623
$1,000,000 – $5,000,000$663$683$663$663$663
$2,000,000 – $4,000,000$661$661$661$661$561
$3,000,000 – $5,000,000$661$661$661$661$561
Additional ChargesN/A$25 each over 10N/A$20 each over 50N/A