A 1st party coverage pays you for covered losses you incur to recover from an incident. In other words, direct losses to you/your company (the 1st party).

A 3rd party coverage pays for any damages to a 3rd party that you are liable for resulting from lawsuits—often filed by customers, vendors, or the government following an incident—as well as the costs to defend you.

Go to our Coverage page for further explanation and examples of both.

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