Many businesses do not realize that their biggest exposures can be from their professional services. In addition to professional liability, most businesses now face cyber liability, hacker threats, and data breach exposures. Often, the biggest expenses come from crisis management and PR costs. To address these exposures, JE Brown have partnered with Hiscox Pro to offer a variety of options in modular form. The center piece is Data Breach & Privacy Liability Coverage, which covers regulatory action as well as fines and penalties.