HSB has partnered with Kroll, a division of Duff & Phelps and a global leader in cyber resilience, security and incidence response solutions, to provide optional monitoring services to HSB Identity Recovery Insureds. These services can help identify when an identity theft occurs and help mitigate damages.

There are two monitoring packages available. Instructions on how HSB Identity Recovery Insureds can enroll are provided when coverage is bound.

HSB Identity Recovery CoverageOptional Monitoring Services

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HSB-251 (New 04/2020)

HSBIdentity Recovery Coverage

Level 1

One Bureau Credit Monitoring Monitors an individual’s credit file with Experian.

Individuals who sign up for this monitoring service receive alerts whenever new activity is reported in their credit file. This service provides real-time detection and insight into suspicious activity that could be related to identity theft. Alerts are categorized according to the type of activity and are sent each day whenever new activity is detected.

Deep Dark Web MonitoringThis service monitors the “deep and dark web,” which consists of forums, chatrooms, and other sites that are

known for selling stolen consumer data. A consumer enrolled in this service would have the option to choose the type of information they want monitored.

A wide variety of identifiers such as Social Security Number, credit and debit cards, bank account info, medical insurance numbers, driver’s license, passport, retail credit cards, membership cards, and more. can be monitored. Alerts are sent whenever new information or activity is found.

Level 2 - One Bureau Credit Monitoring and Deep Dark Web Monitoring, PLUS:

Financial Transaction MonitoringThis service monitors accounts

such as checking, savings, credit cards, and investments. It issues alerts for transactions that appear to have been unusually risky or have a high potential of identity theft. Examples of these types of transactions include high dollar transactions and low account balances.

To activate this feature, a participant must connect their financial institutions by entering credentials in the user interface. After connecting their financial institutions, participants will have the opportunity to:

− View their financial accounts in a single interface;− Set preferences and get alerts for unexpected

transactions;− Define high-dollar transactions, per account;− Define low account balances, per account; and− Confirm if transactions are legitimate or not.

Account Takeover MonitoringAccount Takeover can occur when an identity thief obtains a

person’s username and password through keystroke logging malware, phishing attacks, or other means. Once the accounts have been fraudulently accessed, identity thieves may change contact information.

Participants can connect their financial institutions by entering credentials in the user interface. The types of accounts that can be monitored include checking, savings, credit cards, and investments. After connecting their financial institutions, participants will receive an alert when there is a change to any personal information associated with each account.

Two Available Monitoring Packages

Social Media MonitoringAllows participants to monitor their social network profiles and

content feeds within Facebook, Twitter, LinkedIn and Instagram for potential privacy and reputational risks, including a wide variety of content items such as image captions, posts and comments. An alert is sent whenever personal information is publicly exposed via social media, or whenever reputational risks (i.e. vulgar language, drug references) are found.

Score TrackerThis service keeps a monthly log of the

participant’s credit score. This allows the participant to track changes in their credit score over time, including unexpected drops which could indicate identity theft.

Minor MonitoringIdentity theft in minors can be difficult to detect and difficult to resolve. Because

a minor cannot apply for credit or take out a loan, in most cases they should not have a credit file with any of the credit bureaus. If one exists, this could be an indicator of identity theft.

Minor monitoring looks for credit header data at the three credit bureaus for individuals under 18. It must be initiated by a parent or guardian, who will receive an alert whenever new names, aliases or addresses are associated with the minor’s name and Social Security Number. A parent can enroll up to eight minors.