The Cyber Liability program provides coverage for information security & privacy liability, privacy notification costs, regulatory defense & penalties, website media content liability, cyber extortion, first party data protection & business interruption losses.

PERMA group purchases this coverage through PRISM. The policy provides a $12 million limit for each PERMA member. Members have a $50,000 retention. Moreno Valley, Murrieta, Perris, and VVTA purchased a buy down retention option and each have a $5,000 retention.

The program provides its insureds with access to a breach response team consisting of privacy expert attorneys, forensic specialists to determine scope of breach, notification vendors, and credit monitoring services at preferred rates.  Additionally, a website ( is available which provides resources/tools to understand and keep up with the ever changing world of technology and cyber related exposure, including sample best practices policies.

Cyber criminals do not discriminate; they target vulnerable computer systems. The “Stop, Think, Connect toolkit” provides resources for all segments of our community. Additional resources are also available in PERMA’s policy and resource library.

Cyber Security breaches are on the increase. PRISM has partnered with KnowBe4 for a new Cyber Security Training program for members, for better management of IT security problems such as social engineering, spear phishing and ransomware attacks. Learn more today.

Access additional Beazley resources – Your agency needs to be registered. If you have not previously registered, contact PERMA ( for your access code.