--- title: Insurance polices don't cover everything description: Insurance polices don't cover everything --- [![AxisInsurance](https://blog.axisins.com/hubfs/files_2023/logo.png)](https://www.axisins.com/) Connect with us Call us Today [(201) 847-9175](tel:2018479175) [(877) 787-5258](tel:8777875258) - - About Axis - [Our Approach](https://www.axisins.com/about-us/) - [Our Team](https://www.axisins.com/our-team/) - [Testimonials](https://www.axisins.com/testimonials/) - [Case Studies](https://www.axisins.com/case-studies/) - [News & Events](https://blog.axisins.com/tag/news-and-events) - [Careers](https://www.axisins.com/job-opportunities/) - Product Lines - [Overview](https://www.axisins.com/products/) - [On-line Quoting](https://www.axisins.com/products/on-line-quoting/) - [Surety Bonds](https://www.axisins.com/products/surety-bonds/) - [Cyber Liability/Privacy & Network Security](https://www.axisins.com/products/cyber-liability-privacy-network-security/) - [Overview](https://www.axisins.com/products/cyber-liability-privacy-network-security/) - [Tail Coverage Insurance](https://www.axisins.com/products/tail-coverage-insurance/) - [Why Cyber Liability](https://www.axisins.com/products/cyber-liability-privacy-network-security/why-cyber-liability/) - [Cyber Hotline/Resources](https://www.axisins.com/products/cyber-liability-privacy-network-security/cyber-hotline-resources/) - [Claims Scenarios](https://www.axisins.com/products/cyber-liability-privacy-network-security/claims-scenarios/) - [Professional Liability Insurance (E&O)](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/) - [Overview](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/) - [Tail Coverage Insurance](https://www.axisins.com/products/tail-coverage-insurance/) - [Professions](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/professions/) - [Insurance](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/insurance-agents-brokers/) - [Legal](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/legal/) - [Real Estate](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/real-estate-agents-brokers/) - [Technology](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/technology/) - [Healthcare/Medical](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/healthcare-medical-practice/) - [Architects & Engineers](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/architects-engineers/) - [Financial Institutions](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/financial-institutions/) - [Construction](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/construction/) - [Consulting](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/consulting/) - [Media](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/media/) - [Mortgage Bankers & Brokers](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/mortgage-bankers-brokers/) - [Miscellaneous Services](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/miscellaneous-services/) - [Resources](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/resources/) - [Claims Scenarios](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/claims-scenarios/) - [Management Liability Insurance (D&O)](https://www.axisins.com/products/management-liability-insurance-do/) - [Overview](https://www.axisins.com/products/management-liability-insurance-do/) - [Tail Coverage Insurance](https://www.axisins.com/products/tail-coverage-insurance/) - [Claims Scenarios](https://www.axisins.com/products/management-liability-insurance-do/claims-scenarios/) - [Resources](https://www.axisins.com/products/management-liability-insurance-do/resources/) - [Employment Practices Liability Insurance](https://www.axisins.com/products/employment-practices-liability-insurance/) - [Overview](https://www.axisins.com/products/employment-practices-liability-insurance/) - [Tail Coverage Insurance](https://www.axisins.com/products/tail-coverage-insurance/) - [Claims Scenarios](https://www.axisins.com/products/employment-practices-liability-insurance/claims-scenarios/) - [Resources](https://www.axisins.com/products/employment-practices-liability-insurance/resources/) - [Crime Insurance](https://www.axisins.com/products/crime-insurance/) - [Overview](https://www.axisins.com/products/crime-insurance/) - [Claims Scenarios](https://www.axisins.com/products/crime-insurance/claims-scenarios/) - [Resources](https://www.axisins.com/products/crime-insurance/resources/) - [Fiduciary Liability](https://www.axisins.com/products/fiduciary-liability/) - [Overview](https://www.axisins.com/products/fiduciary-liability/) - [Claims Scenarios](https://www.axisins.com/products/fiduciary-liability/claims-scenarios/) - [Resources](https://www.axisins.com/products/fiduciary-liability/resources/) - [FAQs](https://www.axisins.com/faqs/) - Client Resources - [Make a Payment](https://axisins.epaypolicy.com/) - [Apps & Forms](https://www.axisins.com/client-resources/apps-forms/) - [Report A Claim](https://www.axisins.com/client-resources/report-a-claim/) - [Request A Certificate of Insurance](https://www.axisins.com/client-resources/request-a-certificate-of-insurance/) - [Blog](https://blog.axisins.com/) - [Contact Us](https://www.axisins.com/contact-us/) -   CALL US TODAY [(877) 787-5258](tel:8777875258) ## Keeping you up to date on trends, emerging exposures and other critical issues. [Subscribe To Our Blog](https://share.hsforms.com/18qZLml0MTSqtYWBFqQFAGA35dv4?__hstc=172306556.605fbd816f522e1de3e9428cb969d5b4.1580877711545.1580973215492.1580978435349.10&__hssc=172306556.3.1580978435349&__hsfp=1035641285) # Insurance polices don't cover everything July 24, 2011 Axis The most recent denial of a claim by Zurich for the Sony hacker case is evidence of the need for diverse insurance. Automobile insurance is designed to cover automobile exposures, E&O for professional services and G/L for liability related exposures. However, there are significant gaps between each of these policies that companies should be aware of. In the case of the [Zurich /Sony](http://www.insurancejournal.com/news/national/2011/07/22/207597.htm) matter, the type of risk for cyber hacking and cyber hostage is addressed in a [cyber privacy policy](https://www.axisins.com/products/cyber-liability-privacy-network-security/). Many companies don't address this risk separately from their other insurance coverages. A properly designed cyber and privacy policy is an essential part of operations in todays connected work place. Contact one of our cyber specialists today for a free assessment. [Axis Insurance Services places hard to place E&O risks](https://blog.axisins.com/axis-insurance-services-places-hard-to-place-eo-risks) [Has the line between Agent and Broker been blurred](https://blog.axisins.com/has-the-line-between-agent-and-broker-been-blurred) Search ### Share this post [![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.axisins.com%2Finsurance-polices-dont-cover-everything%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.axisins.com%2Finsurance-polices-dont-cover-everything%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on twitter](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/x-twitter-color.png?width=24&name=x-twitter-color.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.axisins.com%2Finsurance-polices-dont-cover-everything%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.axisins.com%2Finsurance-polices-dont-cover-everything%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=) [![Share on email](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/email-color.png?width=24&name=email-color.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fblog.axisins.com%2Finsurance-polices-dont-cover-everything%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fblog.axisins.com%2Finsurance-polices-dont-cover-everything%3Futm_medium%3Dsocial%26utm_source%3Demail) ### Recent Posts ### Categories - [E&O (19)](https://blog.axisins.com/tag/eo) - [Cannabis (11)](https://blog.axisins.com/tag/cannabis) - [Company News (1)](https://blog.axisins.com/tag/company-news) ![AxisInsurance](https://blog.axisins.com/hubfs/files_2023/art2.png) ### Connect to Our Cyber Hotline & Resources [Connect](https://www.axisins.com/products/cyber-liability-privacy-network-security/cyber-hotline-resources/) Please see our [Privacy Policy](https://www.axisins.com/privacy-policy) to understand how Axis Insurance Services handles your personal information. California Residents are entitled to specific rights which can be outlined on our Notice for [California Residents](https://www.axisins.com/california-privacy-policy). You may request information regarding our privacy policy or update your preferences by contacting us directly at 201-847-9175 or by completing the Request for Information on [Privacy form](https://info.axisins.com/axis-request-for-information-on-privacy). ### Schedule a Consultation ### Stay tuned with us on social networks! [![AxisInsurance](https://blog.axisins.com/hubfs/files_2023/logo.png)](https://www.axisins.com/) 795 Franklin Avenue, Suite 210 Franklin Lakes, NJ 07417 Phone: [201-847-9175](tel:2018479175) Fax: 201-847-9174 [www.axisins.com](http://www.axisins.com/) ### Quick Navigation - [Home](https://www.axisins.com/) - [About Axis](https://www.axisins.com/about-us/) - [FAQs](https://www.axisins.com/faqs/) - [Blog](https://www.axisins.com/blog/) - [Site Map](https://www.axisins.com/site-map/) - [Contact Us](https://www.axisins.com/contact-us/) - [Privacy Policy](https://www.axisins.com/privacy-policy/) - [Terms & Conditions](https://www.axisins.com/terms-conditions/) - [Accessibility Statement](https://www.axisins.com/accessibility-statement/) - [State Licenses](https://www.axisins.com/state-licenses/) Copyright ©2022 – 2024, Axis Insurance Services, LLC In California and Texas as NJ Axis Insurance Services, LLC. In Illinois as Axis Insurance Services of New Jersey, LLC. In New York as NJ Axis Insurance Agency New Jersey Corporate License #OP-9948294. California Corporate License #OD-79693. Axis Insurance Services, LLC is not affiliated with Axis Insurance Company, Axis Capital, its subsidiaries, or affiliates in any way.