Legal Rights & Agreement Rules · Restriction or exception
This is a summary only; the group policy governs and ends with enrollment
The document describes itself as a summary of benefits available to customers of Cyber Protection Insurance Services Inc., the policyholder of a group policy. Benefits vary with the service package the person is enrolled in. It says this is a summary only, additional terms and conditions apply, the full policy contains all terms, conditions and exclusions and a copy will be made available on request, and that entitlement to benefits ends when enrollment in any Insured Program ends.
Supporting quotations
This Summary of Benefits document provides only a summary of the benefits entitled to you as a customer of Cyber Protection Insurance Services Inc., the policyholder of a group policy (“the policy”).
Based on the specific service package you are enrolled in, benefits may vary, as outlined below. This is a summary only. Additional terms and conditions apply. A copy of the policy will be made available upon request. Refer to the full policy for all terms, conditions, and exclusions.
Your entitlement to benefits under the group policy will terminate upon termination of your enrollment in any Insured Program.
Qualifications & exceptions
The full group policy is not part of this saved document, so terms that only appear there are not covered here.
Later, the cancellation condition says Member coverage terminates when the primary member's enrollment in the insured program ends or the policy terminates, whichever is earlier.
Not stated here
The summary does not say how a person requests the policy copy or who sends it.
The words "any Insured Program" here are broader than the later wording about the primary member's enrollment in "the insured program"; the summary does not explain the difference.
Cross-references
contrast (model-proposed): Member coverage ends with the primary member's enrollment or the policy, whichever is earlier — contrast: The opening description says entitlement ends when enrollment in "any Insured Program" ends, while the condition says Member coverage ends when the primary member's enrollment in "the insured program" ends or the policy terminates, whichever is earlier.
Legal Rights & Agreement Rules · Context
No guaranty fund protection if the insurer becomes insolvent
A notice citing the Arizona Revised Statutes says this Evidence of Coverage is issued by an insurer without a certificate of authority from the director of the Arizona Department of Insurance. If that insurer becomes insolvent, insureds or claimants will not be eligible for insurance guaranty fund protection under title 20 of the Arizona Revised Statutes.
Supporting quotations
this Evidence of Coverage is issued by an insurer that does not possess a certificate of authority from the director of the Arizona Department of Insurance. If the insurer that issued this policy becomes insolvent, insureds or claimants will not be eligible for insurance guaranty fund protection pursuant to title 20, Arizona Revised Statutes.
Qualifications & exceptions
The notice cites section 20-401.01, subsection B, paragraph 1 of the Arizona Revised Statutes by name; its contents are not reproduced in this document and are not explained here.
Not stated here
The notice does not say whether it applies to people who do not live in Arizona; the document is titled as covering the United States except Washington, and a later exclusion also removes members whose primary residence is in New York or Washington.
Legal Rights & Agreement Rules · Context
Form identifiers and copyright; no effective date stated
The Schedule page ends with the form reference SIE SBS 03 25 and a 2025 copyright line for HSB Specialty Insurance Company. No effective date, policy period or revision date is stated in the document.
No effective date or policy period for this Summary of Benefits is stated.
Legal Rights & Agreement Rules · Context
"We" means the Insuring Company; paragraph titles do not change coverage
In this Summary of Benefits, "we", "us" and "our" refer to the Insuring Company named in the Schedule. Paragraph titles are only there to help find provisions and do not grant, define or restrict coverage.
Supporting quotations
The words “we”, “us” and “our” refer to the Insuring Company shown in the Schedule of this Summary of Benefits.
Titles given to paragraphs throughout this Summary of Benefits are for assistance in finding applicable provisions. Titles do not grant, define or restrict coverage.
Qualifications & exceptions
The Insuring Company shown in the Schedule is HSB Specialty Insurance Company, not the Provider.
Legal Rights & Agreement Rules · Context
"Affected individual" is a limited definition used for data breach cover
An affected individual is a person whose personally identifying or personally sensitive information is lost, stolen, accidentally released or accidentally published in a covered data breach event. The person's information must be held by a Member because of a family or personal relationship or because of the Member's volunteer work for a non-profit. It does not include any Member, people whose information a Member holds through a for-profit organization (or a non-profit where the Member is a paid worker), or any business or other entity.
Supporting quotations
Affected individual means any person whose personally identifying information or personally sensitive information is lost, stolen, accidentally released or accidentally published by a data breach event covered under the policy.
Affected individual must be someone whose personally identifying information or personally sensitive information is in the possession of a Member because of:
A family or personal relationship with a Member
Affected individual does not mean or include any of the following:
Any Member.
The activities or responsibilities of a Member in connection with volunteer work for a non-profit organization.
Anyone whose personally identifying information or personally sensitive information is in the possession of a Member because of the activities or responsibilities, of any Member in connection with a for-profit organization or in connection with a non-profit organization for which a Member is a paid employee or contract worker.
Any business, organization or entity. Only an individual person may be an affected individual.
Personally sensitive information means private information specific to an individual, the release of which requires notification of affected individuals under any applicable law.
Qualifications & exceptions
These definitions serve coverages that the Schedule marks "Not Included" for Surfshark One+. Data Breach is among them.
Only an individual person may be an affected individual.
Legal Rights & Agreement Rules · Company commitment
Identity theft costs: legal costs need an attorney approved by the insurer
Identity theft costs include costs for an attorney approved by the insurer to defend a civil suit brought against the Member, remove a civil judgment wrongfully entered against the Member, assist the Member at a government agency audit or hearing, help challenge the accuracy of the Member's consumer credit report, or defend criminal charges brought against the Member arising from a third party's use of the Member's identity. The general exclusion for third-party liability or legal defense costs has an exception for the Identity Theft Recovery coverage.
Supporting quotations
Costs for an attorney approved by us for the following:
The defense of any civil suit brought against a Member;
The removal of any civil judgment wrongfully entered against a Member;
Legal assistance for a Member at an audit or hearing by a governmental agency;
Legal assistance in challenging the accuracy of a Member’s consumer credit report;
The defense of any criminal charges brought against a Member arising from the actions of a third party using the personal identity of the Member; or
Any third party liability or legal defense costs, except as described in coverage B.2.b. Identity Theft Recovery.
Qualifications & exceptions
The attorney must be one the insurer has approved. The Schedule shows Legal Costs as "Included", and the limits section says a legal costs sublimit is part of, and not in addition to, the Identity Theft Recovery limit.
The criminal-defense item sits beside an exclusion for any criminal investigations or proceedings; the exclusions section lists both.
Not stated here
The document does not say how the insurer decides whether to approve an attorney beyond the later statement that approval of service providers will not be unreasonably withheld.
Nuclear hazard is defined broadly for the exclusion
Nuclear hazard means nuclear reaction, radiation or radioactive contamination, or any consequence of any of these, however caused and whether controlled or uncontrolled. The exclusions section excludes loss from any nuclear hazard.
Supporting quotations
Nuclear Hazard means nuclear reaction, radiation or radioactive contamination, or any consequence of any of these, however caused and whether controlled or uncontrolled.
Legal Rights & Agreement Rules · Context
Related events count as one occurrence if simultaneous or from the same source in the same policy period
An occurrence groups stolen identity events, cyber attack events, cyberbullying events, cyber extortion events, data breach events, fraud events, home title fraud events or identity theft events that happen at the same time, or that arise in the same policy period from the same source, cause or vulnerability. The limits section uses the discovery period of an occurrence to decide which annual limit applies if loss spans policy periods.
Supporting quotations
Occurrence means all stolen identity events, cyber attack events, cyberbullying event, cyber extortion events, data breach events, fraud events, home title fraud events or identity theft events that:
Occur at the same time; or
Arise during the same policy period from the same source, cause or vulnerability.
Legal Rights & Agreement Rules · Context
Short definitions: public information, personally sensitive information, primary member, provider, school administrator
Information that is otherwise available to the public, such as names and addresses, is not personally identifying information. Personally sensitive information is private information specific to an individual whose release requires notification of affected individuals under any applicable law. A primary member is a customer in good standing of the provider who is directly enrolled in the insured program at the time the stolen identity event is discovered. The provider is the entity shown as Provider in the Schedule. A school administrator is a principal, vice principal, headmaster or dean.
Supporting quotations
Personally identifying information does not mean or include information that is otherwise available to the public, such as names and addresses.
Personally sensitive information means private information specific to an individual, the release of which requires notification of affected individuals under any applicable law.
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.
Provider means the entity providing the insured program and shown as the Provider in the Schedule of this Summary of Benefits.
School administrator means a principal, vice principal, headmaster or dean.
Qualifications & exceptions
These definitions repeat points explained with the Member, personally identifying information and cyberbullying cards.
Legal Rights & Agreement Rules · Restriction or exception
Coverage requires a stolen identity event discovered in the policy period and reported within 60 days
The insurance applies only if all three conditions are met: there has been a stolen identity event involving a Member's personally identifying information; the Member first discovered it during the policy period for which the policy applies; and it was reported to the insurer as soon as practicable and no more than 60 days after the Member first discovered it.
Supporting quotations
This Stolen Identity Event Group Insurance applies only if all of the following conditions are met:
There has been a stolen identity event involving the personally identifying information of a Member; and
Such stolen identity event is first discovered by the Member during the policy period for which the policy is applicable; and
Such stolen identity event is reported to us as soon as practicable, but in no event more than 60 days after the date it is first discovered by the Member.
Qualifications & exceptions
The exclusions add that events discovered before coverage began, or first occurring more than 60 days before coverage began, are not covered.
Not stated here
The document does not state the policy period dates.
Legal Rights & Agreement Rules · Restriction or exception
Exclusions apply to all coverages under the policy
The exclusions section says its exclusions apply to all coverages under the policy and that the insurer will not pay for loss, damage or expense caused by or resulting from the listed items.
Supporting quotations
The following exclusions apply to all coverages under the policy.
We will not pay for loss, damage or expense caused by or resulting from:
Qualifications & exceptions
The phrase "caused by or resulting from" ties each exclusion to the cause of the loss, not only to loss that is exclusively that item.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: a Member's criminal, fraudulent or dishonest acts, intentional violations and contributing to the loss
No payment is made for loss caused by or resulting from a Member's criminal, fraudulent or dishonest acts, errors or omissions; a Member's intentional violations of the law; or a Member intentionally initiating or contributing to a covered loss event. 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 of the following by a Member:
Criminal, fraudulent or dishonest acts, errors or omissions;
Intentional violations of the law; or
Intentionally initiating or contributing to a covered loss event.
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 listed acts include "errors or omissions" that are described as criminal, fraudulent or dishonest; the exclusion does not say how a mistake without such character is treated.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: any criminal investigations or proceedings
Loss, damage or expense caused by or resulting from any criminal investigations or proceedings 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 criminal investigations or proceedings.
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 identity theft costs definition separately lists legal costs for defending criminal charges brought against a Member that arise from a third party using the Member's identity, and the exclusion has no stated exception for it.
Not stated here
The document does not explain how the exclusion for criminal investigations or proceedings fits with the identity theft cost item for defending criminal charges that arise from a third party using the Member's identity.
Cross-references
contrast (model-proposed): Identity theft costs: legal costs need an attorney approved by the insurer — contrast: One provision excludes any criminal investigations or proceedings, while the identity theft costs list includes an approved attorney to defend criminal charges that arise from a third party using the Member's identity. The document states no exception reconciling them.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: third-party liability and legal defense costs, except under Identity Theft Recovery
Any third-party liability or legal defense costs are excluded, except as described in the Identity Theft Recovery coverage. 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 third party liability or legal defense costs, except as described in coverage B.2.b. Identity Theft Recovery.
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 only exception named is the Identity Theft Recovery coverage; legal costs under other coverages (for example cyberbullying legal expenses) are covered only to the extent those coverages apply, and they are not included for Surfshark One+.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: physical damage, bodily injury, vehicle damage, fines and penalties
Excluded are any physical damage or bodily injury (except as described in the Cyberbullying coverage), any damage to a motor vehicle, watercraft, aircraft or other vehicle, and any fines or penalties. 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 physical damage or bodily injury, except as described in coverage B.2.f. Cyberbullying.
Any damage to a motor vehicle, watercraft, aircraft or other vehicle.
Any fines or penalties.
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 only exception to the bodily injury exclusion is the Cyberbullying coverage, which is not included for Surfshark One+.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: devices not owned, leased or controlled; business losses; costs to correct deficiencies
Excluded are damage to any device or system that is not owned or leased by a Member or operated under the control of the Member or another Member, loss arising from any business (including a business owned or operated by any Member or one that employs any Member), and, except for the System Restoration portion of Cyber Attack coverage, costs to research or correct any deficiency. 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
Damage to any device or system that is not owned or leased by a Member, or operated under the Member's control or the control of another Member.
Loss arising from any business, including but not limited to any business owned or operated by any Member or any business employing any Member.
Except as specifically provided under the System Restoration portion of Cyber Attack coverage, costs to research or correct any deficiency.
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
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 business exclusion reaches any business a Member owns, operates or works for.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: events discovered before coverage began, occurring over 60 days before, and costs over a year after expiration
Excluded are any stolen identity event first discovered by a Member before the Member's coverage began, any stolen identity event first occurring more than 60 days before the Member's coverage began, and any costs or expenses incurred more than one year after the policy's expiration date. 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 stolen identity event first discovered by a Member prior to the inception of the Member's coverage under the policy.
Any stolen identity event first occurring more than 60 days prior to the inception of the Member's coverage under the policy.
Any costs or expenses associated with a stolen identity event if such costs or expenses are incurred more than one year from the expiration date of the policy.
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+.
An event that first occurred within 60 days before coverage began is excluded only if it was also first discovered before coverage began; one first occurring more than 60 days before is excluded regardless.
Not stated here
The document does not state when a Member's coverage begins or when the policy expires.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: professional or business identity theft, nuclear hazards and governmental action
Excluded are the theft of a professional or business identity, any nuclear hazard, and any governmental action, meaning destruction, confiscation or seizure of property by order of any governmental or public authority. 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
The theft of a professional or business identity.
Any nuclear hazard.
Any governmental action, meaning the destruction, confiscation or seizure of property by order of any governmental or public authority.
Nuclear Hazard means nuclear reaction, radiation or radioactive contamination, or any consequence of any of these, however caused and whether controlled or uncontrolled.
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+.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: war, including cyber warfare, and how attribution is decided
War is excluded, including its consequences: cyber warfare (whether or not combined with physical combat), undeclared war, civil war, hostile action by military force or cyber measures (including defensive action) by a Combatant, and insurrection, rebellion, revolution, usurped power, political violence or governmental action against these, including cyber action. Cyber warfare, cyber measures and cyber action include the use of disruptive digital activities against a computer network or system intended to cause harm for political or similar objectives, or to intimidate people to further them, committed by a Combatant, meaning a government, sovereign or other authority or its agents. Attribution to a Combatant relies on reasonable evidence such as statements by an affected government, widely recognized international bodies or alliances, or consensus within relevant expert communities such as the cyber security industry. Decisions about whether war or hostile action exists take into account the full range of tactics, weapons and technologies available at the time. 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
War, including the following and any consequence of any of the following:
Cyber warfare, whether or not occurring in combination with physical combat;
Undeclared war;
Civil war;
Hostile action by military force or cyber measures, including action in defending against or hindering an expected or actual attack, by any Combatant; or
Insurrection, rebellion, revolution, usurped power, political violence or action taken by governmental authority in defending against or hindering any of these, including cyber action in connection with any of the foregoing.
For purposes of this exclusion, cyber warfare, cyber measures and cyber action include, but are not limited to, the use of disruptive digital activities against a computer network or system with the intention to cause harm in order to further political or similar objectives, or to intimidate any person(s) in furtherance of such objectives, committed by a Combatant.
The attribution of an action to a Combatant will be determined by relying on reasonable evidence such as:
Statements by an impacted government, sovereign or other authority;
Statements by widely recognized international bodies (such as the United Nations) or alliances (such as the North Atlantic Treaty Organization); or
Consensus opinion within relevant expert communities such as the cyber security industry.
Decisions about the presence or absence of war, hostile action, and other terms used in this exclusion will take into consideration the full range of available tactics, weapons and technologies at the time of the event giving rise to the loss.
Combatant means, for purposes of this exclusion, a government, sovereign or other authority, or agents acting on their behalf.
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 exclusion applies to consequences of war and uses broad terms such as "political violence" and "similar objectives".
Not stated here
The document does not say who makes the attribution decision or how a disagreement about it would be resolved.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: third-party network failures, data input errors and investment performance
Excluded are failure, interruption, reduced performance or damage to any electrical power or telecommunication network not owned and operated by a Member (including the internet, internet service providers, DNS providers, cable and wireless providers, internet exchange providers, search engine providers and similar infrastructure providers), any loss resulting directly or indirectly from errors or omissions by a Member or a financial institution in the input or processing of data, and any loss related to the financial performance of investments. 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
Total or partial failure or interruption of, reduction in performance of, or damage to any electrical power supply network or telecommunication network not owned and operated by a Member including, but not limited to, the internet, internet service providers, Domain Name System (DNS) service providers, cable and wireless providers, internet exchange providers, search engine providers, internet protocol networks (and similar networks that may have different designations) and other providers of telecommunications or internet infrastructure.
Any loss resulting directly or indirectly from any errors or omissions by a Member or a financial institution in the input or processing of data.
Any loss related to the financial performance of any investments.
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+.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: Members whose primary residence is in New York or Washington state
Any Member whose primary residence is located in New York or Washington state is excluded. This document is titled as covering the United States except Washington, and the Schedule does not mention New York. 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 Member whose primary residence is located in New York or Washington state.
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+.
Not stated here
The document does not say why New York residents are excluded here although only Washington is named in the title, or whether a separate document covers New York.
Legal Rights & Agreement Rules · Restriction or exception
Excluded: losses claimed by the provider, uninsurable amounts and sanctions-law conflicts
Excluded are any loss claimed by the provider, any amount not insurable under applicable law, and any provision of coverage to the extent it would expose the Member or provider to a violation of economic or trade sanctions, laws or regulations of the United States or any other jurisdiction whose laws the insurer is legally obliged to comply with. 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 claimed by the provider.
Any amount not insurable under applicable law.
Any provision of coverage under the policy to the extent that such provision would expose the Member or provider to a violation of economic or trade sanctions, laws or regulations of the United States of America or any other jurisdiction with whose laws we are legally obligated to comply.
Provider means the entity providing the insured program and shown as the Provider in the Schedule of this Summary of Benefits.
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+.
Legal Rights & Agreement Rules · Restriction or exception
Conditions apply to all coverages; assignment needs the insurer's written consent
The conditions section applies to all coverages under the policy. Assignment of the policy is not valid unless the insurer gives written consent.
Supporting quotations
The following conditions apply to all coverages under the policy:
Assignment of the policy will not be valid unless we give our written consent.
Legal Rights & Agreement Rules · Company commitment
Bankruptcy or insolvency of a Member or provider does not relieve the insurer
The insurer's obligations under the policy are not relieved by the bankruptcy or insolvency of a Member or the provider.
Supporting quotations
Our obligations under the policy will not be relieved by the bankruptcy or insolvency of a Member or provider.
Qualifications & exceptions
This does not address the insurer's own insolvency; the opening notice says insureds or claimants will not be eligible for insurance guaranty fund protection if the insurer becomes insolvent.
Legal Rights & Agreement Rules · Restriction or exception
The insurer may cancel the policy only for stated reasons and notice periods
The insurer may cancel the policy only for stated reasons, by written notice to the provider (delivered, or mailed to the provider's address, with proof of mailing sufficient). It may cancel on at least 10 days' notice if the provider has not paid the premium, or for any reason on at least 10 days' notice if the policy has been in effect for less than 60 days and is not a renewal. For a renewal or a policy in effect 60 days or more, it may cancel on at least 90 days' notice for a material misrepresentation that would have stopped it issuing the policy, or if the risk has changed substantially since issue. If the policy is written for more than one year, it may cancel for any reason at the anniversary on at least 90 days' notice.
Supporting quotations
We may cancel the policy only for the reasons stated below by informing the provider in writing of the date cancellation takes effect. This cancellation notice may be delivered to the provider, or mailed to the provider at their mailing address shown in the Declarations of the policy. Proof of mailing will be sufficient proof of notice.
When the provider has not paid the premium, we may cancel at any time by letting the provider know at least 10 days prior to the date cancellation takes effect.
When the policy has been in effect for less than 60 days and is not a renewal with us, we may cancel for any reason by letting the provider know at least 10 days prior to the date cancellation takes effect.
When the policy is a renewal with us or has been in effect for 60 days or more, we may cancel:
If there has been a material misrepresentation which if known to us would have caused us not to issue the policy; or
If the risk has changed substantially since the policy was issued.
This can be done by letting the provider know at least 90 days before the date cancellation takes effect.
When the policy is written for a period of more than one year, we may cancel for any reason at anniversary by letting the provider know at least 90 days before the cancellation takes effect.
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+.
Notice goes to the provider, not to Members; the provider is responsible for informing Members.
Not stated here
The Declarations of the policy, which would show the provider's mailing address and the policy term, are not part of this document.
Legal Rights & Agreement Rules · Restriction or exception
The provider may cancel at any time; premium refunds and member notice are the provider's job
The provider may cancel the policy at any time by telling the insurer in writing the date cancellation is to take effect. On cancellation the premium from the cancellation date to expiration is refunded pro rata, and if the return premium is not refunded with the notice or when the policy is returned, the insurer refunds it within a reasonable time after cancellation takes effect. The provider is responsible for informing Members of a non-renewal or cancellation of the policy.
Supporting quotations
The provider may cancel the policy at any time by informing us in writing of the date cancellation is to take effect.
When the policy is cancelled, the premium for the period from the date of cancellation to the expiration date will be refunded pro rata.
If the return premium is not refunded with the notice of cancellation or when the policy is returned to us, we will refund it within a reasonable time after the date cancellation takes effect.
The provider is responsible for informing Members of a non-renewal or cancellation of the policy.
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+.
Not stated here
The refund goes to the provider as policyholder; the document does not say whether any part reaches Members.
Legal Rights & Agreement Rules · Restriction or exception
The policy changes only by endorsement, and the provider informs Members
The policy contains all the agreements between the provider and the insurer about the insurance. The provider is authorized to make changes to the policy's terms with the insurer's consent, but the terms can be waived or amended only by an endorsement the insurer issues. The provider is responsible for informing Members of any changes.
Supporting quotations
The policy contains all the agreements between the provider and us concerning the insurance afforded. The provider shown in the Schedule of this Summary of Benefits is authorized to make changes in the terms of the policy with our consent. The policy’s terms can be waived or amended only by endorsement issued by us and made a part of the policy. The provider is responsible for informing Members of any changes to the policy.
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+.
Not stated here
The document does not say how or when the provider must inform Members of changes.
Legal Rights & Agreement Rules · Restriction or exception
No coverage for a Member who conceals, defrauds or makes false statements about the insurance
The insurer does not provide coverage to a Member who, whether before or after a loss, intentionally concealed or misrepresented any material fact or circumstance, engaged in fraudulent conduct, or made false statements relating to this insurance.
Supporting quotations
We do not provide coverage to a Member who, whether before or after a loss, has:
Intentionally concealed or misrepresented any material fact or circumstance;
Engaged in fraudulent conduct; or
Made false statements; relating to this insurance.
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+.
Legal Rights & Agreement Rules · Restriction or exception
The insurer is not the legal advisor of Members or the provider
The insurer says it is not the legal advisor of the Members or the provider, and its determination of what is or is not insured does not represent advice or counsel about what a Member should or should not do.
Supporting quotations
We are not the Members' or provider’s legal advisor. Our determination of what is or is not insured under the policy does not represent advice or counsel from us about what a Member should or should not do.
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+.
Legal Rights & Agreement Rules · Restriction or exception
The insurer may decline to renew on 90 days' written notice to the provider
The insurer may elect not to renew the policy by delivering or mailing written notice to the provider at the mailing address shown in the Declarations at least 90 days before the policy's expiration date. Proof of mailing is sufficient proof of notice.
Supporting quotations
We may elect not to renew the policy. We may do so by delivering to the provider, or mailing to the provider at their mailing address shown in the Declarations of the policy, written notice at least 90 days before the expiration date of the policy. Proof of mailing will be sufficient proof of notice.
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+.
Notice goes to the provider, which is responsible for informing Members of a non-renewal.
Legal Rights & Agreement Rules · Restriction or exception
No suit against the insurer without full compliance and filing within two years of the loss
No action can be brought against the insurer unless there has been full compliance with all of the terms and conditions of the policy and the action is started within two years after the date of loss.
Supporting quotations
No action can be brought against us unless there has been full compliance with all of the terms and conditions of the policy and the action is started within two years after the date of loss.
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+.
Legal Rights & Agreement Rules · Restriction or exception
Rights to recover damages from others transfer to the insurer to the extent of its payment
If a Member for whom the insurer makes payment has rights to recover damages from another, those rights transfer to the insurer to the extent of its payment. The Member must do everything necessary to secure the insurer's rights and must do nothing after loss to impair them.
Supporting quotations
If any Member for whom we make payment under the policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. The Member must do everything necessary to secure our rights and must do nothing after loss to impair them.
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+.
Legal Rights & Agreement Rules · Restriction or exception
Disputes about the policy are governed by Arizona law
Any dispute arising out of or related to the policy, or the application or interpretation of the policy, is governed by the laws of the state of Arizona, without giving effect to the principles of conflict of laws.
Supporting quotations
Any dispute arising out of or related to the policy, or with respect to the application of or the interpretation of the policy, shall be governed by the laws of the state of Arizona, without giving effect to the principles of conflict of laws.
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+.
Not stated here
Although the condition is titled "Venue and Choice of Law", the text states only a governing law and names no court or venue.
Legal Rights & Agreement Rules · Restriction or exception
A change or waiver of a policy provision must be in writing by the insurer
A change or waiver of a provision of the policy must be in writing by the insurer to be valid. The insurer's request for an appraisal or examination does not waive any of its rights.
Supporting quotations
A change or waiver of a provision of the policy must be in writing by us to be valid. Our request for an appraisal or examination will not waive any of our rights.
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+.