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Insurance Programs


The programs available from RGS are facilitated through the North American Data Security (NADS) RPG, a risk purchasing group, that is registered in all 50 states and the District of Columbia. NADS RPG was formed in Michigan and authorized under the Liability Risk Retention Act (LRRA) which is a federal law enacted in 1986 to facilitate access to liability insurance on a more cost-efficient basis. As a risk purchasing group and pursuant to the LRRA, it is permitted to collectively purchase liability insurance on behalf of group members to cover their similar exposures that result from the members’ common practices or activities.

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Merchant Cyber Liability Program

The Merchant Data Cyber Liability Program provides Level 2, 3, and 4 merchants with $100,000 per MID and up to $500,000 per merchant agreement for a breach of protected personal information including payment card information. The program is available to merchant acquirers, PCI compliance providers, and POS providers for their merchant portfolios.

Enterprise Cyber Liability Programs

Our Enterprise Cyber Liability Programs provide limits of $100,000 or $250,000 per business and affords IT providers, compliance providers, insurance companies, risk retention groups, and PEOs a unique cyber insurance solution for their customers. There is no application or underwriting and can be included as a component of your current offering to business customers.

Enterprise Pro Cyber Liability Program

The Enterprise Pro Cyber Liability Program provides a limit of $1,000,000 per business with limited underwriting and is available through retail insurance brokers and insurance companies. The program can be facilitated on an agency bill or direct bill model with an online platform that will administer the complete process for retail agencies.