Identity Recovery Coverage

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Identity Recovery coverage

Identity Recovery Coverage from Hartford Steam Boiler

Identity Recovery Coverage combines identity theft insurance with services that help victims restore their credit history and identity records to pre-theft status. HSB offers this program through other property-casualty insurers whom we reinsure and service. It is designed to be bundled within Homeowners products. HSB also provides a full range of services to help insurers integrate the coverage and services into their products.

Identity Recovery Services

Most identity theft victims report the greater cost of identity theft is the frustrating and time-consuming process to repair their credit history and identity records. HSB’s program includes identity recovery services that lift much of the workload from victims’ shoulders.

Identity Theft Help-Line

HSB’s identity recovery services begin with a toll-free help line to identity theft counselors who can answer questions from persons who suspect identity theft and provide them with a guide that includes instructions on what to do and how to request Case Manager service.

Case Manager Service

It is helpful for victims to have the assistance of professionals because it is typically very difficult for individuals to work with or even reach the correct persons in credit bureaus, creditors and financial institutions. Confirmed identity theft claimants are referred to a Case Manager who guides them through all the steps in the process to correct their credit history or identity records. This can include:

  • Calling credit bureaus and creditors and facilitating communications between the victim and person who can correct records;
  • Helping victims review their credit reports to identify errors that need to be corrected and coordinating action to make those corrections;
  • Writing letters for the insured to send to credit bureaus and other institutions;
  • Keeping detailed records of the steps taken and remaining in the process.

Expense Reimbursement Coverage

Expense Reimbursement Coverage pays victims for the costs they incur in the steps they handle themselves to resolve problems resulting from identity theft. Covered expenses include the following:

  • Lost wages as a result of time away from work (applicable to homeowner accounts);
  • Child and elder care costs;
  • Credit bureau reports;
  • Fees when reapplying for loans initially declined due to falsified credit information;
  • Postage, phone and shipping fees;
  • Certain legal fees caused by identity theft;
  • Other miscellaneous costs;
  • Notary and filing fees.

HSB Cybersecurity webinars

  • Cyber Myths and Excuses; Why Many Businesses Still Don't Buy Cyber Insurance: Stories that will scare your clients and prospects and make them think twice about declining cyber coverage. With Mike Tischler, Senior Marketing Services Specialist and James Hajjar, Product Manager – both from The Hartford Steam Boiler Inspection and Insurance Company (HSB), part of Munich Re.

  • Ransomware and Worse: Cyber criminals today are more creative and conniving in how they steal. Learn about the rise of ransomware and other alarming cyber trends and coverage responses. With Ken Williams, Vice President of Specialty Claims from The Hartford Steam Boiler Inspection and Insurance Company (HSB), part of Munich Re.

  • Lions and Tigers and Laws, Oh My: Just when you thought the coast was clear, there’s another new cybersecurity or breach law—46 so far this year in fact. HSB and the firm Lewis Brisbois are here to help your clients navigate new cybersecurity legislation. With Sean Hoar, Partner, Chair, Data Privacy & Cybersecurity Practice from Lewis Brisbois Bisgaard & Smith, LLP.

  • HSB’s Cyber Relay Team: It’s not just about the cost to recover from cyber-attack. It’s about the assistance that a business needs both before and after. Learn more about how HSB’s cyber relay team can provide the right response every step of the way. With Timothy J. Zeilman, Vice President, Global Product Owner – Cyber, Ken Williams, Vice President of Specialty Claims, and Benjamin J. Brunese, CPA, CPCU, ARe, AU, Cyber Practice Leader – all from The Hartford Steam Boiler Inspection and Insurance Company (HSB), part of Munich Re.

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This publication is available exclusively to Munich Re clients. Please contact your Client Manager.