From medical and dental offices to wealth managers, retailers, and tech firms along Agoura Road and Thousand Oaks Boulevard, many Conejo Valley businesses store sensitive customer information. California has some of the country’s strongest privacy laws, and one provision lets consumers sue directly after certain data breaches. That makes cyber coverage worth a closer look.<\/p>\n
Under Civil Code Section 1798.150, part of the California Consumer Privacy Act, consumers can sue a business when certain nonencrypted and nonredacted personal information is stolen or exposed because the business failed to maintain reasonable security. The law allows statutory damages per consumer, which can add up quickly when many customers are affected.<\/p>\n
No. The CCPA applies to businesses that meet certain size or data-handling thresholds. Smaller businesses still have obligations, though. California’s general data breach notification law and its reasonable security requirements reach many businesses that fall outside the CCPA.<\/p>\n
In many cases, a consumer must give the business written notice and an opportunity to cure before pursuing statutory damages. What counts as a cure can be complicated, so an attorney should be involved early.<\/p>\n
Coverage varies widely, and many general liability policies exclude data breach claims, so standalone cyber coverage is often the main protection.<\/p>\n
Our post on choosing the right commercial policies<\/a> covers how to build a full program. TriGuard Insurance in Westlake Village, CA can review your commercial insurance<\/a> and cyber options. Businesses across Westlake Village, CA and the Conejo Valley can reach out to TriGuard Insurance<\/a> anytime.<\/p>\n","protected":false},"excerpt":{"rendered":" From medical and dental offices to wealth managers, retailers, and tech firms along Agoura Road and Thousand Oaks Boulevard, many Conejo Valley businesses store sensitive customer information. California has some of the country’s strongest privacy laws, and one provision lets consumers sue directly after certain data breaches. That makes cyber coverage worth a closer look. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[8,7,6],"class_list":["post-50","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-commercial-insurance","tag-triguard-insurance","tag-westlake-village"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t