Those who rely on you to protect their business interests also trust you to protect their personal information. When sensitive data is exposed, your reputation is on the line.

Offered as an optional coverage either as part of the Spectrum Business Owner's Policy, the General Liability Choice® policy, our Data Privacy -- Network Security Liability Insurance, or as a separate Cyber Choice 2.09, our data breach coverage provides you with access to professionals who can help you comply with regulatory requirements, provide guidance on how to help prevent a data breach and handle a breach crisis if one occurs. Response expense coverage can help to quickly restore confidence in your business or practice through notification to impacted individuals and can help pay for good faith advertising expenses, for example. In most states, coverage is also available for defense and liability expenses in the event you're sued because of a breach.

Peace of Mind Protection

Our coverage can help absorb some of the costs associated with a breach including notification, public relations, legal and liability expenses.

Respond With Confidence

We provide access to professional assistance when a breach crisis occurs — helping you comply with applicable laws and regulations to avoid civil litigation and other penalties.

Be Prepared

You have access to a breach preparedness website for easy-to-understand prevention and response guidelines you and your staff can use every day — not just when you have a claim.

10 Tips to Safeguard Laptop Data

1. When traveling, never transport your laptop in checked luggage. Carry it on with you, and keep an eye on it at airport security.
2. Apply distinctive paint markings to make your laptop unique and easily identifiable.
3. If you step out of a meeting or conference room, take your laptop with you – or it may not be there when you return.
4. Carry your laptop in a non-descript carrying case, briefcase or bag. A case designed for computers is a clear signal to thieves that you are carrying a laptop.
5. Back up your information regularly and keep the information stored in a safe place.
6. Don’t let unaccompanied strangers wander around your workplace. Offer assistance and escort visitors to their destinations.
7. Parking garages are common theft locations. Cover your laptop to hide it from view or place it in the trunk.
8. If leaving your laptop in the office overnight, place it in a locked cabinet or secure it with a cable lock that wraps around a desk or chair leg.
9. Consider purchasing a theft alarm system specifically made for laptops.
10. Avoid automatic log-ins. They may be easier, but if your laptop is ever stolen, your information is all the more vulnerable.

 
Sited from http://www.thehartford.com/data-breach-insurance/

Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients.

Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called "errors and omissions" liability.

Professional liability insurance is a specialty coverage. Professional liability coverage is not provided under homeowners endorsements, in-home business policies or businessowners policies (BOPs).

http://www.iii.org/articles/do-i-need-professional-liability-insurance.html