Couverture · Personal Guard
Pas d'avenants enfouis, pas de jargon à décoder. Chaque ligne ci-dessous montre ce qui la déclenche, un exemple couvert et un exemple qui ne l'est pas. Passez aux termes de la police quand vous voulez la formulation officielle.
Voici les lignes de couverture derrière Personal Guard. Le sélecteur bascule entre langage clair et termes de la police ; le sens ne change jamais.
If your identity is stolen, the team helps you recover it and covered losses are handled under the policy.
Assistance with covered losses after your identity is stolen and funds are taken.
An identity theft event that began before your coverage started.
If ransomware locks your devices or someone extorts you over a cyber event, the policy responds.
Ransomware locks a family computer and a ransom demand follows; the case is handled under the policy.
An extortion threat with no underlying cyber event behind it.
If money is stolen from you through online fraud or another cyber crime, this is the line that responds.
Funds are stolen from your account in an online fraud or cyber attack and the covered loss is handled under the policy.
A purchase you authorized yourself and later disputed with the merchant.
If someone in the household is targeted by cyberbullying, counseling support is part of the cover.
Counseling support after a child in the household is targeted by cyberbullying.
Disagreements between household members that involve no outside party.
If a cyber breach event hits your household, the policy covers the response and recovering your data.
Recovering household data lost in a covered cyber breach event.
A hard drive that fails on its own, with no cyber event involved.
If a cyber event in your household creates a privacy or security liability claim against you, the policy responds.
A privacy liability claim against you that arises from a cyber security event in your household.
A liability claim that does not arise from a cyber security or privacy event.
Your online reputation is scored and monitored, and deletion requests go out to data brokers holding your records.
An ongoing Online Reputation Score for the household plus deletion requests to data brokers holding your records.
Removing truthful press coverage or public court records.
Les plafonds s'appliquent par formule, pas par ligne. Le plafond global de chaque formule figure dans le comparatif ci-dessous et reste toujours soumis aux conditions de la police émise.
Les mêmes lignes, une portée différente. Les plafonds globaux et les prix viennent directement du catalogue en vigueur.
Household cyber insurance is no longer a niche. The closest product to Personal Guard, Cyberboxx Home from BOXX Insurance, writes a household policy that affirmatively covers online fraud, AI-enabled scams and deepfake impersonation, identity theft and recovery, cyber extortion, home title fraud and cyberbullying, with Equifax identity monitoring and a 24/7 incident team bundled in. It is a serious product, and it is the right comparison to hold us against.
Most households that carry any cyber protection at all carry less than that: an identity-theft rider attached to a homeowners policy. A typical rider reimburses the expense of restoring your identity after a theft has already happened. It responds to a single peril, after the fact, and it includes no one who watches, answers or acts for your household before the loss.
The most common choice is still no protection at all. When something goes wrong, the loss lands where it falls. Deloitte Private surveyed family offices worldwide and found 57% of those in North America had been hit by a cyberattack in the last 12 to 24 months, 93% of those attacks arriving as phishing, and a third of the victims left with financial or operational damage.
Personal Guard starts from the same conviction that household cyber risk deserves a real policy, then adds the part we believe matters most: an active layer. Always-on monitoring that maps the devices on your network, checks your emails against known breaches, and verifies your social handles. A 24/7 concierge, staffed from two hubs covering the US and Europe, that owns an incident end to end. And up to $5M in layered capacity underwritten by Tokio Marine HCC and Chubb, placed through licensed brokers. Coverage responds to what has already happened. The active layer works on what has not happened yet.
Insurance coverage is provided on a layered basis by A-rated carriers. The first $2,000,000 of coverage is underwritten by Tokio Marine HCC - Cyber & Professional Lines Group; the layer above $2,000,000 up to the $5,000,000 limit is underwritten by Chubb. Policies are placed through Syba’s licensed insurance brokers (EPIC Insurance Brokers & Consultants in the United States). Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.
Chaque ligne ci-dessus montre un exemple non couvert à côté de l'exemple couvert, pour que les limites soient visibles avant l'achat. Le dernier mot revient toujours à la police émise, jamais à une page marketing.
Aux États-Unis et dans l'Union européenne, via les formules affichées ci-dessus pour votre région. La couverture, les plafonds et la disponibilité varient selon la juridiction et restent soumis aux conditions de la police émise.
Votre équipe de conciergerie prend le sinistre en charge de la première déclaration jusqu'à la résolution. Vous le signalez une seule fois, une vraie personne prend le relais, et vous suivez le statut depuis votre tableau de bord.
Tout dépend de qui vous protégez. Comparez les formules ci-dessus, consultez tous les détails sur la page tarifs, ou lancez un devis pour recevoir une recommandation adaptée à votre ménage.
Non. Votre score de scan n'est qu'un éclairage sur votre sécurité. Il ne détermine jamais votre prix, votre formule ni votre accès à la couverture.
Syba is not licensed as an insurance agency or third-party administrator in any jurisdiction. We do not engage in the solicitation of insurance. For any questions regarding insurance, for Europe please contact customer.service@syba.io. For USA please contact EPIC Insurance Brokers & Consultants: clientserviceinquiry@epicbrokers.com or +1 (407) 378 6203.
Insurance coverage is provided on a layered basis by A-rated carriers. The first $2,000,000 of coverage is underwritten by Tokio Marine HCC - Cyber & Professional Lines Group; the layer above $2,000,000 up to the $5,000,000 limit is underwritten by Chubb. Policies are placed through Syba’s licensed insurance brokers (EPIC Insurance Brokers & Consultants in the United States). Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.