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Please press the above EZQT button to be directed to our online EZ Quote for the following coverages:
Liability Insurance (EPLI)
Tanks (UST / AST)
Please Note, you must be an approved eKo Specialty producer with a login ID and password to access the EZQT site. To learn more, please feel free to contact us.
Becoming an eKo Specialty client is fast, easy and commitment free. To inquire or learn more, please call us at 805.373.6968 or use our contact form.
This information is designed to give you a quick overview of the coverage and how it works. Your policy is the contract that specifically and fully describes your coverage. Please feel free to call 805.373.6968 with any questions.
Most policies typically cover ransoms paid following a kidnap as well as threat to kill, injure, abduct, damage property, contaminate products, divulge trade secrets or introduce a computer virus. Typically, hijack and wrongful detention coverage is also included.
NOTE: The claims scenarios summarized are offered only as examples. The examples are not intended to establish any standards of care or to serve as legal advice appropriate for any particular factual situations. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy.
1. An Insured business was attacked by an extortionist threatening to introduce a virus to the Insured’s computer system unless they paid the extortionist a lot of money. Expert crisis response advisors were able to advise the insured that the extortionist’s threat details were not technically possible, recommend that the insured report the incident to the authorities, and to not pay any demand. Armed with this expertise, the Insured confidently ‘ignored’ the threat while cooperating with authorities.
Outcome - The extortionist disappeared.
2. An Insured business owner and spouse were victims of a home invasion in which children were held hostage at gunpoint while criminals sent them to their business for money. Upon their return with business monies, the children and insured were released by the criminals. Fortunately, a police investigation led to the attackers’ arrest and prosecution.
Outcome - The Insured’s crisis response advisors conducted a thorough review of their security requirements, allowing the business to prevent or manage a future incident.
3. A Insured’s product was threatened with contamination against a demand for money (with a promise not to contaminate and distribute the product if the monies were paid).
Outcome - An investigation ensued after the insured’s crisis response advisor developed a suspect from a review of former customer service complaints of the insured. There was not sufficient evidence to prosecute, but the threats went away after the suspect was contacted by investigators. The potential loss from a recall and destruction of product would have been catastrophic for the insured.