New York State Restaurant Association Program

ACE Privacy Protection

Today a person can easily store the equivalent of an entire pickup truck of printed social security numbers, credit card numbers or health insurance records on a small USB flash drive.  Any breach of sensitive customer or employee information can become a public relations nightmare, destroying not only your restaurant’s reputation but your balance sheet in the process.

The ACE Privacy Protection Policy is designed to protect a restaurateur’s most sensitive information about their business, customers and employees. The policy provides coverage arising from:

  • Lost computer equipment
  • Network security breaches
  • Human error; and
  • Mistakes made by outside service providers

The ACE Privacy Protection Coverage also includes a Data Breach Response Fund. Click Here to Review Coverage and Policyholder Support Services

ACE Employment Practice Liability

The threat of being sued is an everyday reality. The dangers are even more real if you don’t have a Human Resources department to deal with the myriad of state and federal laws, rules and regulations that exist to protect employee rights. One disgruntled worker can put your entire business at risk if he or she brings a lawsuit or discrimination charge against you, valid or not. The cost to defend the allegations alone can put you out of business, not to mention the price you’ll have to pay if you lose.

During periods of economic decline statistics show employment lawsuits increase dramatically.

Ace offers restaurant owners an affordable policy to protect your business from the expense of dealing with employee suites.

Click Here to Review Summary of Coverage and Policyholder Support Services

Three Reasons Why Every Restaurant Needs ACE Privacy Protection®

  1. Increasingly stringent laws and regulations have elevated a restaurant’s duty of care for how it safeguards personal information.  Failure to comply with legal and regulatory obligations places your restaurant’s reputation at enormous risk.  Given the potential loss in customer confidence, historically many companies kept security breaches quiet. Today state identity theft notification laws make it illegal to sweep privacy breach events under the rug - keeping quiet is no longer an option.
  2. Advances in technology make safeguarding client trust and restaurant’s reputations from privacy breaches far more difficult.  Technology has made it easier to store, transport, steal or simply lose sensitive information.
  3.  Any restaurant that entrusts outside contractors to handle its sensitive data, including payroll management firms, accounting/bookkeeping firms, employee benefit firms and consultants, ultimately bears the burden of any privacy breach stemming from an outsourced operation.  Your restaurant may require your service provider to carry privacy coverage, but it does not eliminate your responsibility to protect your customer and employee data.  If your customers are affected by a data breach, your company is obligated to respond, regardless of who made the error.

Coverage Overview

Privacy Liability
Policy Limits - up to $5 Million

Covers loss arising out of an organization's failure to protect sensitive personal or corporate information in any format including paper.

Provides coverage for regulatory proceedings brought by a government agency alleging the violation of any state, federal, or foreign identity theft or privacy protection legislation.

Data Breach Response Fund
Covers expenses:

  • To retain a computer forensics firm to determine the scope of a breach;
  • To comply with privacy regulations;
  • To notify and provide credit monitoring services to affected individuals; and
  • To obtain legal, public relations or crisis management services to restore the company's reputation.

Internet Media Liability
Covers infringement of copyright or trade mark, invasion of privacy, libel, slander, plagiarism, or negligence arising out of the content on the organization’s internet website.

Additional Coverage

Privacy coverage includes customer and employee information, personal information in any format, and network, as well as non-network security breaches

Data breach expenses include voluntary notification and expenses to comply with the consumer notification provisions of the applicable jurisdiction that most favors coverage

No retention, coinsurance, prior written approval, or post-discovery time restrictions for Data Breach Fund (voluntary notification subject to prior written approval)

Privacy Regulations coverage includes the latest regulations including the Identity Theft Red Flags Rule, HITECH Act and Massachusetts 201 CMR 17

Definition of damages includes regulatory fines where permitted by law, a consumer redress fund, and punitive and exemplary damages (most favorable jurisdiction language)

Policyholder Support Services

Free access to eRisk Hub®,www.eRiskHub.com, a web-based loss prevention resource containing information and technical resources to help policyholders manage their privacy and network risks

Access to Data Breach Coach, an independent law firm providing data breach consultation services

Access to Data Breach Team, an independent panel of specialists in the legal, computer forensic, notification, call center, public relations, fraud consultation, credit monitoring, and identity restoration service areas

Sound claims experience and handling


ACE Employment Practice Liability Summary of Coverage:

Policy Limits - up to $5 Million

Covered employees include any full-time, part-time, seasonal and temporary employees, volunteers and leased employees where indemnified by the company

Coverage for claims alleging retaliation related to ERISA, FLSA, whistleblower claims, and other violations under federal statute

Third-party coverage relating to sexual harassment

Automatic coverage for new subsidiaries during policy period

Claims include claims for monetary damages as well as non-monetary or injunctive relief, and various administrative or regulatory proceedings

Loss includes back pay and front pay

Coverage for claims alleging retaliation related to ERISA, FLSA, whistleblower claims, and other violations under federal statute

Professional claims team

Policyholder Support Services

As part of the services offered by the NYSRA EPLI Insurance Program, each ACE Insurance Employment Practices Liability policyholder has significant resources available.  Through a web-based exchange with one of the nation’s leading employment law firms, you can ask unlimited questions regarding employment law and employment issues.

Employer HELPLINE

  • Unlimited Access to the Experts - Access to personalized advice & best practices counsel on over 50 different human resources and employment law issues, as often as needed.
  • Documented, confidential answers to specific questions by the end of the next business day.
  • Create your own customized HR Employee Handbook using the Helpline handbook service.

The ACE EXPRESSsm HELPLINE Plus Online Portal

  • Daily updated Federal & State HR and employment law news and regulation changes, Human Resource Forms, Employment Posters, customizable model policies, forms, posters and much more.

Monthly HR Express Updates

  • Stay current with information sent directly to your email inbox.  Each Express Update includes a Question of the Month, Case Digest of the Month and periodic HR Alerts.

HELPLINE responds to over 50 different human resource and employment law issues

  • Affirmative Action Plans
  • Age Discrimination (ADEA)
  • Americans with Disabilities Act (ADA)
  • Background and Employment Screening
  • Benefit Continuation (COBRA)
  • Compensation
  • Disability Claims and Issues
  • Discrimination
  • Drug Testing
  • Employee Benefits
  • Employee Handbooks
  • Employee Turnover
  • Exempt/Non-Exempt
  • Facility Closure
  • Family and Medical Leave Laws (FMLA)
  • Fraud/Theft/Shrinkage
  • Gender Issues
  •  
  • General Harassment
  • Hiring Practices
  • I-9 and Related Issues
  • Interviewing
  • Layoffs
  • Management & Employee Development
  • Marital Status
  • Military Leave (USERRA)
  • National Origin and Language Issues
  • Non-Competition
  • Payroll
  • Performance Management
  • Personnel Files (Content & Handling)
  • Physical Appearance Issues
  • Policies & Procedures
  • Pregnancy
  • Privacy (General and HIPAA Issues)
  • Progressive Discipline
  •  
  • Racial Issues
  • Regulatory Compliance (State & Federal)
  • Religious Issues
  • Retaliation
  • Safety Procedures & Practices
  • Sexual Harassment
  • Sexual Preference & Orientation Issues
  • Termination & Discharge
  • Training
  • Unemployment Compensation
  • Union Relations - General Inquiries
  • Wage/Hour (Federal)-Fair Labor Standards Act (FLSA)
  • Wage/Hour (State)
  • Workers Compensation
  • Workplace Violence
  • For more information, visit www.aceEXPRESShelplineplus.com

    Get a Quote

    Choose Your Quick Quote and Click on the Link

    Cyber Security Quick Quote    and/or     Employment Practice Quick Quote

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    For questions call 866-821-9572 or email info@firstchoiceii.com

    For a detailed marketing sheet, click on ACE Employment Practice Liability or ACE Privacy Protection Policy.