HSB Specialty Insurance Company insures; Cyber Protection Insurance Services Inc. is the provider
The Schedule names HSB Specialty Insurance Company as the Insuring Company, with a Hartford, Connecticut mailing address, and Cyber Protection Insurance Services Inc., Phoenix, Arizona, as the Provider. The document says "we", "us" and "our" mean the Insuring Company, and that the Provider is the entity providing the insured program shown in the Schedule.
Supporting quotations
HSB Specialty Insurance Company
One State Street, P.O. Box 5024, Hartford, Connecticut 06102-5024
Cyber Protection Insurance Services Inc.
20860 N. Tatum Blvd., Suite 300, Phoenix, AZ 85050
Provider means the entity providing the insured program and shown as the Provider in the Schedule of this Summary of Benefits.
Not stated here
Surfshark appears only through the insured program name in the Schedule; the document does not describe the contractual relationship between Surfshark and either the Insuring Company or the Provider.
Account & Service Control · Restriction or exception
Coverage type is Individual; family members count only if the program covers them
The Schedule lists the coverage type for Surfshark One+ as Individual. The definition of Member covers the primary member and, only if the insured program includes coverage for family members, certain household residents. The Schedule does not show family coverage for this insured program.
Supporting quotations
Coverage Type | Individual
Member means:
If the insured program includes coverage for family members, the residents of the household of the primary member who are:
Qualifications & exceptions
Whether Member extends beyond the primary member depends on what the insured program includes; the Schedule shows only "Individual".
Not stated here
The document does not say how enrollment in Surfshark One+ is handled for other people in the same household.
Account & Service Control · Restriction or exception
"Member" is the primary member, and household family only if the program covers family
A Member is the primary member and, if the insured program includes coverage for family members, residents of the primary member's household who are relatives (including a spouse), under 21 and in the care of such persons, or full-time students who lived in the household before moving out to attend school, if under 24 and the primary member's relative, or under 21 and in the primary member's care or a relative resident's care. A primary member is a person who, at the time of discovery of the stolen identity event, is a customer in good standing of the provider and is directly enrolled in the insured program. The insured program is the package of products and services shown in the Schedule.
Supporting quotations
Member means:
The primary member.
If the insured program includes coverage for family members, the residents of the household of the primary member who are:
The relatives of such persons, including their spouse; or
Under the age of 21 and in the care of such persons; or
A student enrolled in school full-time, as defined by the school, who was a resident of the primary member's household before moving out to attend school, provided the student is under the age of:
24 and the primary member's relative; or
21 and in the primary member's care or the care of a resident of the primary member's household who is the primary member's relative.
Primary member means a person who, at the time of the discovery of the stolen identity event, is a customer in good standing of the provider and is directly enrolled in the insured program.
Insured program means the package of products and/or services provided by the provider and shown under the Insured Programs section of the Schedule of this Summary of Benefits.
Qualifications & exceptions
The Schedule lists the coverage type for Surfshark One+ as Individual and shows no family coverage.
Primary member status is tested at the time of discovery of the stolen identity event.
Not stated here
The document does not say what "customer in good standing of the provider" requires or how enrollment through the Surfshark One+ subscription is evidenced.
Account & Service Control · Restriction or exception
Excluded: loss while the primary member is not an active customer in good standing and enrolled
Loss occurring while the primary Member is not an active customer in good standing of the provider and directly enrolled in the insured program is excluded. This exclusion applies to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
Supporting quotations
Any loss occurring while the primary Member is not an active customer in good standing of the provider and directly enrolled in the insured program.
Primary member means a person who, at the time of the discovery of the stolen identity event, is a customer in good standing of the provider and is directly enrolled in the insured program.
Qualifications & exceptions
This exclusion applies to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
The primary member definition tests status at discovery of the stolen identity event; this exclusion tests status when the loss occurs.
Not stated here
The document does not define "customer in good standing" or say what happens to a loss that straddles a lapse in enrollment.
Account & Service Control · Procedure
Assistance line, pre-determination case management and 60-day documents request
For Case Management Service, the Member should call the Identity Recovery Help Line, which can give information and advice on responding to a possible stolen identity event. The insurer may sometimes provide Case Management Service at its expense before determining that a covered stolen identity event occurred, without admitting liability, and may deny further coverage or service if it later determines no covered event occurred. For Identity Theft Recovery, the Member must send receipts, bills or other records supporting the claim to the insurer within 60 days after the insurer asks for them.
Supporting quotations
With respect to Case Management Service, for assistance the Member should call the Identity Recovery Help Line. The Identity Recovery Help Line can provide the Member with information and advice for how to respond to a possible stolen identity event.
In some cases, we may provide Case Management Service at our expense to a Member prior to a determination that a covered stolen identity event has occurred. Our provision of such services is not an admission of liability under the policy. We reserve the right to deny further coverage or service if, after investigation, we determine that a covered stolen identity event has not occurred.
With respect to Identity Theft Recovery Coverage, the Member must send receipts, bills or other records that support his or her claim for identity theft costs to us within 60 days after our request.
Not stated here
The document does not give a telephone number or address for the Identity Recovery Help Line or for sending claim records.
Account & Service Control · Restriction or exception
Member coverage ends with the primary member's enrollment or the policy, whichever is earlier
A Member's coverage under the policy ends when the primary member's enrollment in the insured program ends or when the policy terminates in accordance with its terms, whichever is earlier.
Supporting quotations
Member coverage under the policy shall terminate upon the termination of the primary member’s enrollment in the insured program or the termination of the policy, in accordance with the terms of the policy, whichever is earlier.
Primary member means a person who, at the time of the discovery of the stolen identity event, is a customer in good standing of the provider and is directly enrolled in the insured program.
Insured program means the package of products and/or services provided by the provider and shown under the Insured Programs section of the Schedule of this Summary of Benefits.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
The opening description says entitlement ends when enrollment in "any Insured Program" ends; this condition refers to the primary member's enrollment in "the insured program".
Not stated here
The document does not say what happens to a claim for an event discovered before enrollment ended.
Account & Service Control · Procedure
After a loss: give prompt notice and notify police, school administrator or card company as applicable
In case of a loss, the Member or the Member's representative must perform the listed duties; if failure to comply is prejudicial to the insurer, the insurer has no duty to provide coverage. The duties include giving prompt notice to the insurer, notifying the police if there has been a violation of the law, notifying the police or a school administrator in case of a cyberbullying event, and notifying the bank, credit card or electronic fund transfer card or access device company in case of a fraud event involving a bank card, credit card or check.
Supporting quotations
In case of a loss, the following duties must be performed either by the Member or the Member's representative. If failure to comply with these duties is prejudicial to us, we have no duty to provide coverage under the policy:
Give prompt notice to us;
Notify the police if there has been a violation of the law;
Notify the police or a school administrator in case of a cyberbullying event;
Notify the bank, credit card or electronic fund transfer card or access device company in case of a fraud event involving a bank card, credit card or check;
School administrator means a principal, vice principal, headmaster or dean.
Cyberbullying event means two or more similar or related cyberbullying acts.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
The consequence is limited by "if failure to comply with these duties is prejudicial to us": the insurer has no duty to provide coverage only where non-compliance prejudices it.
Not stated here
"Prompt notice" has no stated number of days here, while the coverage requirements require the event to be reported as soon as practicable and within 60 days of discovery.
Account & Service Control · Procedure
Cooperation: information within 30 days, device inspection and a sworn proof of loss within 60 days
The Member must cooperate with the insurer in the investigation or settlement. Within 30 days after the insurer asks, the Member must provide a description of how, when and where the stolen identity event occurred, written reports of service providers who took part in the investigation or response, written reports or correspondence with law enforcement or any government authority, and any additional information requested. As reasonably required, the Member must permit the insurer or its appointee to inspect and audit the computing device, connected home device and records; additional expenses for that are paid by the insurer, in addition to and not part of the Member Annual Aggregate Limit, if approved in advance. The Member must send signed, sworn proof of loss within 60 days after the insurer asks, and the insurer supplies the forms.
Supporting quotations
Cooperate with us in the investigation or settlement as follows:
Provide the following information within 30 days after our request:
A description of how, when and where the stolen identity event occurred.
Written reports of any service providers who participated in the investigation of or response to the stolen identity event.
Written reports or correspondence to or from law enforcement or any governmental authority or agency, or similar organization.
Any additional information we request relevant to the investigation of the stolen identity event.
As may be reasonably required, permit us or a third party appointed by us to inspect and audit the computing device, connected home device, and any records. Any additional expenses related to this Condition F.9.e.(2) will be paid by us and will be in addition to, and not part of, the Member Annual Aggregate Limit. We must approve such expenses in advance.
Send us signed, sworn proof of loss that contains the information we request to investigate the stolen identity event. This must be done within 60 days after our request. We will supply the necessary forms.
Computing device means a desktop, laptop or tablet computer or Wi-Fi router or other internet access point.
Connected home device means any electronic device, other than a computing device, that connects to the internet or to other electronic devices.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
The duties are part of the duties after loss; the earlier sentence says the insurer has no duty to provide coverage if failure to comply is prejudicial to it.
Account & Service Control · Restriction or exception
Services are paid only if provided by service providers the insurer approves
The insurer pays under the policy only for services provided by service providers it has approved, and Members must obtain its prior approval for any provider whose expenses they want covered; the insurer will not unreasonably withhold approval. Members have a direct relationship with service providers paid for in whole or part under the policy, and those firms work for the Members.
Supporting quotations
We will only pay under the policy for services that are provided by service providers approved by us. Members must obtain our prior approval for any service provider whose expenses they want covered under the policy. We will not unreasonably withhold such approval.
Members will have a direct relationship with service providers paid for in whole or in part under the policy. Those firms work for the Members.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
Account & Service Control · Restriction or exception
No guarantee that services are available to everyone or will end all problems
For services provided by service providers paid for under the policy, the effectiveness of the services depends on the Members' cooperation and assistance. The insurer does not warrant or guarantee that services will be available or applicable to all individuals; for example, under Identity Theft Recovery Coverage Members who are minors or foreign nationals may not have credit records that can be provided or monitored, and service in Canada will differ from service in the United States and Puerto Rico. It also does not warrant or guarantee that the services will end or eliminate all problems associated with the covered events.
Supporting quotations
With respect to any services provided by any service provider paid for in whole or in part under the policy:
The effectiveness of such services depends on Members' cooperation and assistance.
We do not warrant or guarantee that services will be available or applicable to all individuals. For example, under Identity Theft Recovery Coverage, Members who are minors or foreign nationals may not have credit records that can be provided or monitored. Service in Canada will be different from service in the United States and Puerto Rico.
We do not warrant or guarantee that the services will end or eliminate all problems associated with the covered events.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
The examples (minors, foreign nationals, Canada) are given as "for example" and are not a complete list.
Cross-references
qualifies (model-proposed): Victims get access to a licensed identity theft investigator — qualifies: The policy gives no guarantee that services will be available to everyone or will end all problems, which qualifies the opening statement about the investigator's help.