Personal Cyber
Silver
$49/ month
Renews automatically at $49 per month until you cancel.
Up to $250,000 in coverage
- 24/7 US-based cyber security team
- Dark web & credential monitoring
- Identity and device protection
- Expert-guided incident response
Personal Cyber Protection
Protect your family from cybercrime. Start today.
Insurance-backed personal cyber protection, offered by Hotaling Insurance Services and powered by SYBA. Continuous monitoring, a 24/7 US-based response team, and up to $5,000,000 in coverage.
Plans from $49 / mo
Up to $5M cover
24/7 US-based response
Continuous monitoring
What every plan includesEXAMPLE
Dark Web MonitoringIncluded
Identity ProtectionIncluded
Credential SurveillanceIncluded
Incident Response24/7 US-based
Program limitUp to $5,000,000
Hotaling Insurance Services·Monitoring and response powered by SYBA·24/7 US-based response team·A Risk Management Family Office
Choose Your Plan
Four plans. Buy the one that fits your family.
Every plan includes continuous monitoring and 24/7 US-based cyber response, and can be purchased directly. Insurance limits scale with your digital footprint.
Gold
$75/ month
Renews automatically at $75 per month until you cancel.
Up to $500,000 in coverage
- Everything in Silver
- Family and single-member LLCs
- Priority response coordination
- Expanded financial coverage
Platinum
$330/ month
Renews automatically at $330 per month until you cancel.
Up to $2,000,000 in coverage
- Everything in Gold
- Online reputation score & monitoring
- Data broker deletion
Diamond
$1,125/ month
Renews automatically at $1,125 per month until you cancel.
Up to $5,000,000 in coverage
- Everything in Platinum
- Personal cyber security engineer
- Device recognition & hardening
- Concierge white-glove service
Need more than $5,000,000 in coverage? Higher limits can be structured for your household, subject to underwriting. Ask the Hotaling advisor who sent you this page.
Cryptocurrency fraud coverage of up to $100,000 is included on every plan. Coverage is backed by A-rated carrier capacity from Tokio Marine HCC and Chubb. Policies are placed through licensed insurance brokers, EPIC Insurance Brokers & Consultants in the United States. SYBA provides the monitoring and response technology. Coverage, limits, sub-limits, exclusions, eligibility and availability vary by state and are set solely by the documents issued to you.
Before you choose a plan
This page describes the program in general terms. It is not an offer of insurance and it is not a policy. Coverage, limits, exclusions, eligibility and availability vary by state and are set solely by the documents issued to you.
Payment starts your subscription and your application. It does not by itself bind insurance coverage. Who the named insured is, where your policy or certificate is held, and how your payment is allocated are set out in the documents issued to you. Full details are in the Terms of Sale.
How It Works
What happens after you choose a plan.
Three steps, and a named advisor on every one of them.
You confirm and pay
You confirm your state, review the renewal terms, and complete payment through Stripe. Nothing is collected before those terms are shown to you.
We confirm eligibility
Your Hotaling advisor confirms eligibility and availability in your state, and asks for anything else the program requires.
Your documents are issued
You receive your policy documentation and your monitoring is switched on. Terms, limits, exclusions and the effective date are set by those documents.
Scope of Protection
Your digital life. Fully considered.
Identity & Credentials
Credential exposure, social security data, government-issued identification, and authentication systems.
Financial Accounts
Banking, brokerage, cryptocurrency, and any financial infrastructure tied to your digital identity.
Private Communications
Email, messaging platforms, cloud storage, and any channel carrying sensitive or privileged information.
Family & Household
Spouse, children, household staff, and extended family whose exposure creates shared vulnerability.
Reputation & Footprint
Public records, social profiles, and any digital trace exploitable for impersonation or extortion.
Devices & Networks
Home and travel networks, connected devices, and the Wi-Fi that links your home to your work.
Insurance Coverages
What your plan covers.
Insurance benefits available under the program. Limits and sub-limits vary by plan and are set by your policy documents.
Online Fraud
Protection against phishing and fraudulent online transactions targeting your personal and financial information.
Cyber Extortion
Coverage for ransomware and extortion attempts, including ransom payments and recovery assistance.
Identity Fraud
Support and financial protection if your identity is stolen, including restoration services and lost-income compensation.
Data Breaches
Coverage for personal information exposure, including notification costs, credit monitoring, and reputation management.
Cyberbullying
Protection for families against online harassment, including counseling services and support for legal action.
Cryptocurrency
Coverage for financial losses resulting from cryptocurrency fraud, up to $100,000. This limit is the same on all four plans.
Why Hotaling + SYBA
How the SYBA program compares.
Proactive monitoring is the column to look at: the SYBA program is the only one of the seven that includes it, alongside five times the nearest limit and the only unqualified Yes on LLC coverage.
| Carrier | Max Limits | LLC Coverage | Nanny / Household Staff | Identity Theft | Cyber Extortion | Cyber Bullying | Online Harassment | Fraud Protection | Privacy Breach | Reputation Mgmt | Proactive Monitoring |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Chubb (Masterpiece® Cyber Protection) | $1 million | Limited | Yes | Included | Included | Included | Included | Included | Included | Included | Not included |
| Nationwide (Personal Cyber Protection Services) | $1 million | No | Limited | Included | Included | Included | Included | Included | Included | Not included | Not included |
| AIG (Family CyberEdge) | $1 million | Limited | Yes | Included | Included | Included | Included | Included | Included | Included | Not included |
| Arbella (Home Cyber Protection) | $500,000 | No | Limited | Included | Not included | Not included | Not included | Included | Included | Not included | Not included |
| PURE (Starling — Fraud and Cyber Fraud) | $1 million | Limited | Yes | Included | Included | Not included | Not included | Included | Included | Not included | Not included |
| Vault (Vault Custom Insurance) | $1 million | No | No | Included | Included | Not included | Not included | Included | Included | Not included | Not included |
| SYBA | $5 million | Yes | Yes | Included | Included | Included | Included | Included | Included | Included | Included |
Swipe to see all columns →
Chubb (Masterpiece® Cyber Protection)
- Max Limits
- $1 million
- LLC Coverage
- Limited
- Nanny / Household Staff
- Yes
- Identity Theft
- Included
- Cyber Extortion
- Included
- Cyber Bullying
- Included
- Online Harassment
- Included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Included
- Proactive Monitoring
- Not included
Nationwide (Personal Cyber Protection Services)
- Max Limits
- $1 million
- LLC Coverage
- No
- Nanny / Household Staff
- Limited
- Identity Theft
- Included
- Cyber Extortion
- Included
- Cyber Bullying
- Included
- Online Harassment
- Included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Not included
- Proactive Monitoring
- Not included
AIG (Family CyberEdge)
- Max Limits
- $1 million
- LLC Coverage
- Limited
- Nanny / Household Staff
- Yes
- Identity Theft
- Included
- Cyber Extortion
- Included
- Cyber Bullying
- Included
- Online Harassment
- Included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Included
- Proactive Monitoring
- Not included
Arbella (Home Cyber Protection)
- Max Limits
- $500,000
- LLC Coverage
- No
- Nanny / Household Staff
- Limited
- Identity Theft
- Included
- Cyber Extortion
- Not included
- Cyber Bullying
- Not included
- Online Harassment
- Not included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Not included
- Proactive Monitoring
- Not included
PURE (Starling — Fraud and Cyber Fraud)
- Max Limits
- $1 million
- LLC Coverage
- Limited
- Nanny / Household Staff
- Yes
- Identity Theft
- Included
- Cyber Extortion
- Included
- Cyber Bullying
- Not included
- Online Harassment
- Not included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Not included
- Proactive Monitoring
- Not included
Vault (Vault Custom Insurance)
- Max Limits
- $1 million
- LLC Coverage
- No
- Nanny / Household Staff
- No
- Identity Theft
- Included
- Cyber Extortion
- Included
- Cyber Bullying
- Not included
- Online Harassment
- Not included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Not included
- Proactive Monitoring
- Not included
SYBA
- Max Limits
- $5 million
- LLC Coverage
- Yes
- Nanny / Household Staff
- Yes
- Identity Theft
- Included
- Cyber Extortion
- Included
- Cyber Bullying
- Included
- Online Harassment
- Included
- Fraud Protection
- Included
- Privacy Breach
- Included
- Reputation Mgmt
- Included
- Proactive Monitoring
- Included
Comparison sourced from SYBA's competitive analysis, August 2026, based on publicly available policy forms and product materials for each program identified. Source form numbers available on request. Coverage terms, limits and availability vary by carrier, product edition, state and individual underwriting, and endorsements may add coverage not reflected here. This comparison is provided for information only and is not a representation of any insurer's current offering. Chubb, which appears in this comparison, also provides capacity in this program. All product and company names are trademarks of their respective owners; their use here is for identification only and does not imply affiliation with or endorsement by those companies. Coverage is governed solely by the terms of the policy issued to you. Not available in all states.
Your Team
Specialists who own your protection.
The Hotaling Team
Personal Cyber Specialists · Hotaling Insurance Services
Our specialists help individuals, families, and family offices choose the right personal cyber plan and handle every step of protection with discretion. When something goes wrong, a real person owns the incident, not a ticket queue.
Hotaling Insurance Services
CA license 0N05316
800.987.1811
Together we win.
Cybercrime does not wait, and neither should your protection. Choose the plan that fits your family. Questions? Ask the Hotaling advisor who sent you this page.