*Professional Ctrl*
Combined Cyber, Technology and Media Coverage
Intellectual Property insurance for US Defence & Abatement including Infringement Liability, Indemnified Party Infringement Liability and Rights Protection
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TMK Professional Ctrl insurance provides comprehensive Cyber, Technology Errors and Omissions (E&O) and Media Liability coverage under one policy.
Technology E&O coverage provides financial protection from losses caused due to a technology product’s failure to perform as intended or expected. This includes acts, errors, or omissions committed in the provision of technology services like programming errors and omissions.
Combined with TMK’s Cyber Ctrl it provides a truly comprehensive solution to clients globally in one leading product - allowing insureds the peace-of-mind of dealing with a single insurer without the worry of gaps in coverage or disputes between separate policies.
Comprehensive professional liability coverage ranging from Technology E&O for both products and services, to Miscellaneous Professional Liability to cover non-technology services, which can be bespoke for each individual business we insure.
Modular Media Liability coverage available ranging from website and social-media exposures through to Publisher and Broadcaster Media Liability
TMK’s enhanced cyber product – Cyber Ctrl – built by underwriters with more than two decades of expertise in writing cyber risks and world leading cyber analysts with first hand experience of the most prominent cyber incidents, complemented by daily cyber threat vulnerability scanning service for all insureds
“Outstanding” Claims Service, as recognised by brokers
Technology underpins almost every element of our lives and is a constantly evolving industry; whether that’s in the solutions themselves being provided or the way that it’s delivered to us. The risks posed by the professionals and organisations that create, design and deliver these solutions evolves, and the insurance solutions available to them need to keep pace.
Technology E&O coverage isn’t just for traditional IT companies anymore. Almost any company offering a service or technology product to customers carries the potential risk that an act, error or omission in the provision of that product or service could result in liability to third-parties.
There is also the growing importance placed on a company’s online presence and the need to produce content to attract traffic and enhance brand reputation has turned almost every company into a content creator, which exposes them to Media Liability and intellectual property risks.
Common scenarios that may trigger the need for this product:
Failure to provide products or perform services
Failure of products and services to perform as intended
Delay in the delivery of products/services
Wrongful advice/design/specification
Defamation in the course of publishing content
Copyright and trademark infringement
Cyber threats
Our Professional Ctrl product offers comprehensive professional liability coverage ranging from Technology E&O for both products and services to Miscellaneous Professional Liability to cover non-technology services which can be bespoke for each individual business we insure.
This is provided alongside our enhanced cyber product - Cyber Ctrl - in one leading product, allowing insureds the peace-of-mind of dealing with a single insurer without the worry of gaps in coverage or disputes between separate policies.
This product is particularly well suited to large corporates through to mid-sized organisations with international operations.
We have a strong underwriting appetite for risks in the following sectors/segments:
Software developers
SaaS providers
Technology consultancy
Technology/IT staffing
Value-added resellers
Advertising agents
Publishers
Broadcasters
Web design
Data analytics
Maintenance, support, helpdesk services
Data centres (colocation)
Application service providers (ASPs)
Line size: £25m
Cover can be given for:
Technology Services and Products E&O
Professional services liability
Breach of contract
Claims avoidance and supplemental coverages including mitigation costs and withheld fees
Generative AI coverage available by endorsement
Modular media liability coverage by endorsement ranging from website and social media cover to publishers, broadcasters and advertising agents media liability including coverage for subpoena defence costs
Unambiguous business interruption coverage for own-network interruptions as well as IT and Non-IT provider interruptions from security breaches, system failures and voluntary shutdown as standard
Cyber extortion cover for ransom demands and related costs
Cyber crime coverage including cryptojacking and invoice manipulation fraud
Cyber liability including data breach notification costs and regulatory defence and penalty costs
TerritoriesWorldwide (subject to licensing)
Leadership capability: TMK leads the majority of the risks it writes, and is one of the largest insurers trading in the Lloyd’s insurance market by GWP. Our renowned underwriting expertise is complemented by market leading talent within Claims and Wordings
Empowered expertise: Our Underwriting and Claims experts have the authority to make informed decisions quickly
Experience: We have been writing Cyber risks since 2003
Scale and stability: We are part of one of the largest and most powerful insurance groups in the world, Tokio Marine Group, which was founded in 1879
Outstanding service: We are recognised for Outstanding Claims & Underwriting service by brokers
Innovators in mitigating risk: Our specialist team can identify vulnerabilities using cutting edge data and technology and notify clients to prevent risks and losses
We know that fair claims handling builds stronger client relationships and supports overall market growth.
Our Claims service has been rated “Outstanding” by brokers consistently since 2017 because we:
See things through the clients’ lens
Understand our clients’ perspectives, and the meaning and importance of a loss to them
Act not in a transactional way but a human way, empathetically and always fairly and with kindness
Tokio Marine Kiln is a leading international insurer with a reputation for specialist underwriting excellence, great people and innovative products. As part of one of the largest insurance groups in the world, our underwriters are empowered to assess each individual risk, to make on-the-spot decisions and to find the right solutions for our clients’ needs.The ability to settle valid claims quickly and fairly in a human way is central to our business philosophy, and our adjusters are empowered to exercise their professional judgement to deliver an exceptional customer service.
Tokio Marine KilnTokio Marine Kiln Syndicates Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number: 204909. Its registered office is located at 20 Fenchurch Street, London EC3M 3BY Registered Number: 729671. Tokio Marine Kiln is a trading name.
