Private Client
Personal Cyber & Identity Theft Coverage.
Personal cyber coverage for fraud, extortion, identity theft, and reputational restoration — coordinated with the founder's commercial cyber program.
Why a personal cyber policy is different from the business policy
Commercial cyber responds when the company is breached. Personal cyber responds when the principal is targeted: a wire-fraud impersonation of the founder, a ransomware attack on a household device, a deepfake extortion attempt against a family member, or identity theft against a spouse. Personal cyber is purpose-built for the household, with coverage parts the commercial form does not include.
Coordination with the family office and the founder's commercial cyber
When the family office holds custody of household financial systems, or the founder's commercial email is also used personally, the boundary between personal and commercial cyber matters. We map principal devices, accounts, and communications to the right policy so a wire-fraud loss or ransomware event is not orphaned between the personal and commercial programs.
Why it matters more for founders and high-profile principals
Founders and public principals are disproportionately targeted: their financial profile is often public, their email and identity are heavily impersonated, their families are searchable, and the financial value of a successful attack is high. Personal cyber is one of the lowest-cost private-client coverages and the one most often missing from the household program.
Frequently asked questions
Doesn't the homeowners policy already include identity theft?
Most homeowners forms include a small identity-theft restoration sublimit — typically $25,000–$50,000 — covering case management but not cyber extortion, wire fraud, deepfake exposure, or reputational restoration. A standalone personal cyber policy is purpose-built for those exposures.
Does it cover a wire-fraud loss when the founder authorizes the transfer?
Personal cyber typically responds to social-engineering wire fraud where the principal was deceived into authorizing the transfer — this is the single most common loss pattern for high-profile principals. Coverage applies subject to documentation, sanctions screening, and the policy's social-engineering sublimit.
What about deepfake or AI-generated impersonation of the principal?
Most modern personal cyber forms include coverage for AI-generated impersonation, deepfake extortion, and synthetic-media attacks against the principal or family. We confirm the language is current — older forms may not contemplate AI-driven incidents.
Does it coordinate with the founder's commercial cyber policy?
Yes — the personal cyber policy responds to incidents targeting the principal, the household, or family members directly. The commercial cyber policy responds to incidents against the company. We map the boundary so a wire-fraud or ransomware event is covered by exactly one policy, not orphaned between the two.