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research corporation Ponemon Institute, health care organizations pay about $188 per stolen record. When someone hacked into a net-
work server at St. Joseph Health System in Bryan last December, the hacker stole more than 400,000 patient records. In a February 2010 case, someone stole three unencrypted external backup drives from a San Antonio dentist’s locked of- fice, exposing 21,000 patient records. According to the Ponemon Institute’s estimate, the breach could have cost the dentist nearly $4 million. The Ponemon Institute study also found data breaches cost U.S. health care organizations an average of $2 mil- lion over the past two years.
“Based on the experience of the health
care organizations in this benchmark study, we believe the potential cost to the health care industry could be as much as $5.6 billion annually,” the re- port states. TMLT offers first- and third-party cov- erage to protect organizations from fi- nancial collapse if a breach occurs. First- party, or digital asset, coverage includes:
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• Restoring or recovering lost or dam- aged computer programs and data;
• Paying for credit monitoring and breach response services;
• Notifying patients of a breach; • Offering help with crisis management and media relations; and
• Covering the practice in cases of cy- ber extortion and cyber terrorism.
Cyber terrorism normally involves a thief demanding money in exchange for the return of private information, Mr. Southrey says. First-party coverage also includes lost income and extra expenses caused by the breach. For example, if a computer program or data glitch interrupts an in- sured physician’s practice, TMLT’s cyber liability coverage will pay for utilities and employee salaries during the period it takes to restore the program or data. TMLT will also cover extra expenses needed to pay staff overtime to restore lost data or to subcontract data-process- ing work to an IT vendor. TMLT will also pay for income the
32 TEXAS MEDICINE July 2014
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