Learn why understanding your practice and analyzing coverage issues protects your business.





Errors & Omissions Liability
Cyber Security
Business Insurance


Cyber liability insuring agreements cover costs associated with the liability of a third-party claim or suit related to a breach and includes:

Network & Information Security Liability

Coverage for claims arising from unauthorized access to data, failure to provide notification of a data breach where required by law, transmission of computer virus or failure to provide authorized users with access to the company website.

Communications & Media Liability

Coverage for claims arising from copyright infringement, plagiarism, defamation, libel and slander in
electronic content.

Regulatory Defense Expenses

Coverage for governmental claims made as a result of network and information security liability or communications and media liability.


First-party insuring agreements cover such things as the material costs of a breach, including forensic analysis, fees to determine the nature and extent of the breach, as well as notification costs that are legally mandated in 47 states and include:

Security Breach Remediation & Notification Expenses

Coverage for costs associated with notification of individuals breached, credit monitoring, fraud expense reimbursement and call center. Optional per person notification available.

Computer Program & Electronic Data Restoration Expenses

Coverage for expenses to restore data lost from system damage due to computer virus or unauthorized access.

Crisis Management Event Expenses

Coverage for public relations services to mitigate negative publicity.

Computer Fraud

Coverage for loss of money, securities or other property due to unauthorized system access.

Funds Transfer Fraud

Coverage for loss of money or securities due to fraudulent transfer instructions to a financial institution.

E-commerce Extortion

Coverage for money paid as a result of threats made to fraudulently transfer funds, destroy data, introduce a virus, attack a system or disclose electronic customer information.

Business Interruption & Expenses

Coverage for loss of income and expenses to restore operations as a result of a computer system disruption caused by a virus or unauthorized computer attack.


Crime and fidelity insurance covers losses that result from theft, fraud or deception. Because the underlying cause of a loss in some cyber-related claims is fraud, a company would claim a loss under its crime policy rather than its cyber policy.

Social Engineering Fraud

Coverage for claims arising from deceptively gaining the confidence of an employee to induce him or her to part with money or securities. A fraud scheme by someone who is posing as a trusted vendor, new client or employee may cost a company hundreds of thousands of dollars or more.


Golsan Scruggs has developed an RIA risk assessment called RIASURE. This process helps us understand your practice and analyze insurance coverage issues so that a proper insurance solution is structured to mitigate the exposures of your practice. At Golsan Scruggs, we believe it is incumbent upon us to earn the right to be appointed as your insurance and risk-management agent. Our RIASURE process exists to serve that purpose.

To obtain your complimentary cyber review, please provide the following information or contact us at (800)273-5883.

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Schwab OpenView MarketSquare™ is a service of Schwab Intelligent Technologies™ and provides consolidated ratings and reviews of technology solutions made by independent investment advisors. Unless otherwise noted, reviewed technology vendors are not affiliated with Schwab. Ratings and reviews do not express or imply any opinion or endorsement by Schwab of any participating vendor or product.