CYBER & PERSONAL SECURITY

Cyber Insurance for the Risks a Personal Life Now Carries.

Wire fraud. Identity theft. Social engineering attacks targeting a family member or a household employee. Digital risk is now personal risk. BCU helps successful families and their advisors address it directly.

Personal Cyber Coverage Built for Successful Families.

Commercial cyber insurance is a mature market. Personal cyber insurance is not. Most homeowners policies include a small sub-limit for identity theft and nothing else. That gap matters, because the attacks that target successful families are not the attacks that hit ordinary households.

BCU works with carriers offering dedicated personal cyber coverage: policies that address wire fraud, social engineering, ransomware against home systems, and the reputation and recovery costs that follow a cyber event.

What a BCU personal cyber program addresses

  • Personal cyber liability coverage for family members and household staff
  • Identity theft protection and restoration services
  • Social engineering and wire fraud coverage, including the loss itself
  • Smart home and connected device vulnerability assessment
  • Digital privacy and online reputation exposure
  • Cyber extortion and ransomware response
  • Coverage coordination with family office technology systems

Visibility Creates Exposure.

The families who most need personal cyber coverage are often the ones who assume they do not. Visibility, wealth, and the volume of digital transactions successful households generate all increase the attack surface. Household employees, family members, and wealth advisors are all potential entry points.

Typical personal cyber clients include

  • Families with significant liquid wealth moving through digital channels
  • Households with domestic staff who handle banking or wire transfers
  • Family offices managing operations across multiple entities and accounts
  • Clients with public profiles or media visibility
  • Collectors and investors whose purchase activity is a target for fraud

Cyber Risk Requires More Than a Policy.

Review

We review current cyber coverage, household protocols, and any existing family office security practices. Most reviews reveal large gaps.

Design

We place personal cyber coverage with carriers who specialize in this space and coordinate coverage with family office systems where relevant.

Advocate

Cyber events move quickly. BCU coordinates with carriers, incident response teams, and family office technology staff from the first hour.

Related Practice Groups

Person smiling and typing on a laptop at a white desk in a living room while a child sits in the background.

Family Office & Household Risk

Household staff and operational protocols are central to cyber risk management.

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Suburban two-story house with three cars parked in the driveway on a sunny day

Liability & Excess Protection

A data breach, wire fraud loss, or social engineering incident can result in third-party claims that fall under the personal liability and excess layers of the program.

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Bright modern living room with high ceilings, white walls, orange sofas, and large abstract paintings.

Fine Art, Jewelry & Collections

Collection purchases and provenance records are frequent targets for wire fraud and impersonation schemes.

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When Was the Last Time Your Cyber Coverage Was Reviewed?

For most families, the answer is never. A conversation with BCU can surface what you have, what you do not have, and what to do about it.