Cyber Risk Coverage

from Affinity Group Underwriters 
Designed for 3C Commerce Members

Cyber Attacks:
Even the smallest business is at risk today

Protect your business for as little as $350 per year – discounted rate for Chamber Members. Up to $2,000,000 of coverage available.

The Risk is Real
Every business, regardless of size, is subject to a cyber attack or breach. In fact, 58% of cyber attack victims are organizations with fewer than 250 employees.1 Even with a secure computer network, your business is subject to falling prey to wrongdoers. Based on current research, 39% of all breaches involve human triggers like phishing, social engineering, compromised email, or malicious insiders.2 Could your business reputationally or financially survive a data breach? Just think, the average cost of a cyber incident in the USA is $119,000!3 For less than $1 per day, your business can have $250,000 in coverage.
The Solution is Simple

AFFORDABLE

We've looked - you won't find a more comprehensive plan than ours for a lower price, especially with that Chamber Members rate!

POINT, CLICK AND BUY

No long questionnaire or IT assessment. You don't even need to meet with an agent to buy. Enrollment is just an easy 5 minute application.

SLEEP BETTER

Because our coverage works for you day and night, you get the peace of mind of knowing that we're always looking out for you. Go ahead and smash that snooze button.

InfoSafe®

Data Breach Prevention & Response

We’ve partnered with InfoSafe to make it simple and affordable to implement and maintain a comprehensive information security program at no additional cost to you. Gain access to five critical features:

After you’ve enrolled, you’ll have the opportunity to upgrade to  full cyber risk management software & services.

Plans & Features

ESSENTIAL

$250,000 Coverage
NO Annual Deductible
$400 $350 /yr Discounted Rate for Chamber Members
  • 1st & 3rd Party Defense
  • Privacy Regulations (Fines & Penalties)
  • Fraud Response Expense
  • Public Relations Expense
  • Notifications Expense
  • Forensic & Legal Expense
  • Business Interruption
  • Data Recovery Expense
  • Ransomware
    up to $10,000
  • Social Engineering
    up to $10,000
  • Telecommunications Theft
    up to $10,000
  • InfoSafe® Basic Features
  • Cyber Risk Assessment
  • Breach Response Plan
  • Security Awareness Training
  • Computer Security Checkup
  • Audit & Breach Support Hotline
CHAMBER RATE

ELITE

$1,000,000 Coverage
$5,000 Annual Deductible
Starting at $2,360 /yr Pricing Varies Based on Revenue
  • 1st & 3rd Party Defense
  • Privacy Regulations (Fines & Penalties)
  • Fraud Response Expense
  • Public Relations Expense
  • Notifications Expense
  • Forensic & Legal Expense
  • Business Interruption
  • Data Recovery Expense
  • Ransomware
    up to $100,000
  • Social Engineering
    up to $100,000
  • Telecommunications Theft
    up to $100,000
  • InfoSafe® Basic Features
  • Cyber Risk Assessment
  • Breach Response Plan
  • Security Awareness Training
  • Computer Security Checkup
  • Audit & Breach Support Hotline

ENTERPRISE

$2,000,000 Coverage
$5,000 Annual Deductible
Starting at $5,365 /yr Pricing Varies Based on Revenue
  • 1st & 3rd Party Defense
  • Privacy Regulations (Fines & Penalties)
  • Fraud Response Expense
  • Public Relations Expense
  • Notifications Expense
  • Forensic & Legal Expense
  • Business Interruption
  • Data Recovery Expense
  • Ransomware
    up to $100,000
  • Social Engineering
    up to $100,000
  • Telecommunications Theft
    up to $100,000
  • InfoSafe® Basic Features
  • Cyber Risk Assessment
  • Breach Response Plan
  • Security Awareness Training
  • Computer Security Checkup
  • Audit & Breach Support Hotline
There are many misconceptions about cyber security out there.
We're here to dispel them for you.
MYTH!!!
58% of data breach targets are small businesses1. Hackers don’t care about the size of your business.
MYTH!!!
In reality there is information like personal addresses, emails, or credit card numbers which can make every business in every industry a potential target. Many times your business is not the intended target, but it is in the path to the hacker’s final destination. (You should read about Target’s 2013 breach.)
MYTH!!!
73% of black hat hackers said traditional firewall and antivirus security is irrelevant or obsolete1. Software like anti-virus or anti-malware are a good first step. But none are 100% effective as the malware variants change rapidly. Plus, software cannot stop an employee from clicking an infected link, or opening a malicious document.
MYTH!!!
They say a chain is only as strong as its weakest link. Allowing employees to connect their personal devices to the corporate network becomes a whole new entry point for hackers. It only takes one weak link to cripple a system and bring down the entire network.
MYTH!!!
Most cyber attacks are triggered by someone on the inside. And it’s not typically the disgruntled employee, or an ex-employee with a grudge (in fact these folks make-up only a small percentage). In fact, it’s just an unsuspecting worker clicking on the wrong link, or opening an infected attachment that unleashes the threat to your network resulting in a massive data breach.
MYTH!!!
Oh no you won’t. This was true years ago when viruses would slow down your computer, load pop-ups, and cause other simple mischief. Today’s malware is highly complex and extremely stealthy. Most sophisticated viruses sit on your computer, avoiding any detection. In fact, on average it takes an astonishing 207 days for a breach to be identified!3
Compliant? YES.
Safe…NO.

Being compliant does not mean you are secure. It only means that your business is compliant with industry data regulations.
MYTH!!!
There are certainly highly sophisticated programmers seeking to impose widespread disruption. However, at the other end of the spectrum anybody with as little as $100 and a computer can be the “bad guy.” You see, malware, ransomware, and hacked email addresses can easily be bought “off-the-shelf” in the black market or deep web just like any other product. Once in hand, it takes just a click of a mouse and another attack is underway.
MYTH!!!
How many of us use the same password over and over? Even if we regularly change them, even the strongest may not hold up against multiple break-in attempts. No password is 100% secure, no matter how many numbers and special characters you use in your passwords, there’s always a possibility that it can be cracked or more likely leaked in some way.
MYTH!!!
They’re good, just not superhuman. An IT department will certainly take the lead in making sure that network protection is robust. But, it is every employee’s responsibility to make sure they are operating in a cyber safe manner.
Program Eligibility
Our Essential program is available to businesses meeting the following criteria:
Banks
Credit Unions
Payment Processors
Gambling Organizations
Online Adult Industry
Social Media/Networking Firms
Managed Service Providers
Federal and State government agencies
Municipalities
Franchisees or Franchisors
Crypto-currency
Marijuana Dispensaries
Choose Your Coverage

We have a plan that’s built for your budget without sacrificing security. Pick one of our three plans below.

ESSENTIAL
$400 $350 /yr

$250,000 Coverage
NO Annual Deductible
InfoSafe® Cyber Risk Management

ELITE
Starting at $2,360 /yr

$1,000,000 Coverage
$5,000 Annual Deductible
InfoSafe® Cyber Risk Management

ENTERPRISE
Starting at $5,365 /yr

$2,000,000 Coverage
$5,000 Annual Deductible
InfoSafe® Cyber Risk Management

Contact Our Cyber Team
Questions about our program, or need help with enrollment? 

Please contact us at your convenience.

HOURS OF OPERATION

Mon - Fri
8:30 AM - 5:00 PM Eastern

Affinity Group Underwriters has been developing and managing innovative life and health insurance programs for employer and association groups since 1997. Before creating AGU, the principals and most of the staff worked for large U.S. and Canadian insurance carriers. Our thirty years of underwriting and marketing association and employer group plans has provided us with extensive experience and a unique perspective on the evolving benefit needs of employees and association members. AGU is a privately-held company based in Richmond, Virginia and operating nationwide.

For more information, please visit our website or call 804-273-9797.
FifthWall works with a range of insurers to limit your cyber exposure and give you peace of mind for your business. With our policies, your business is covered from business interruptions, cyber crimes, and several of the consequences that follow. With breach prevention and response tools, you avoid risk and minimize impact in the event of a security incident.

For more information, please visit our website.

Privacy Policy

We believe you have the right to know the privacy policies of the sites you visit. We are committed to the security of all data and information that is transmitted to us through any medium (electronic submission, e-mail, phone, fax or regular mail), and the protection of your personally identifiable information. 

Any information submitted as part of a quote request is retained for the exclusive use of Affinity Group Underwriters and/or our partner companies who provide services. We do not sell, trade, lease or rent any information obtained from this website or the quote request forms. Your personal information will only be shared with our insurance company partners when you make a formal application for insurance or to participate in a discount card program. 

We use standard internet technology to detect the type of operating system, internet browser and e-mail client that anyone accessing the website is using. This allows us to notify the user of potential problems with our applications and certain operating system/internet browser combinations. Determining the e-mail client in use allows us to send communications that are compatible with the user’s system. 

If you have questions about our privacy policy, please contact Lori Mills at (804) 273-9797 or send an email to LMills@agu.net.