Best identity theft insurance providers ranked in 2026
Our in-house experts test identity theft protection services themselves, using real-world scenarios and established testing methods. We look at how well each service monitors personal information, how quickly and clearly it sends alerts, what recovery support it offers, and how it handles customer data.
We assess every provider using the same criteria and explain our testing process clearly, so readers can compare services and make a more informed choice.
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Identity theft insurance is an essential part of identity protection. If your identity is stolen and misused, getting it back can get very expensive – you’ll need to pay for lawyers, replace important documents, or even take unpaid time off work to deal with this issue. A good insurance policy can help cover these losses and provide support during the recovery process.
I’ve spent 4 weeks evaluating the best identity theft insurance providers in 2026 together with our research team. I based my recommendations on factors most important for identity theft insurance, such as coverage limits, terms and conditions, and price, as well as useful identity theft protection features and other extras. You’ll find my final top 6 roundup below.
6 best identity theft insurance services in 2026
- Coveron – best comprehensive identity theft insurance
- Norton LifeLock – best for the highest identity theft insurance limits
- Aura – best all-in-one identity theft protection
- Surfshark Alert – best affordable identity theft coverage
- Bitdefender Identity Theft Protection – best for high identity theft coverage with extra fraud protection
- Avast Secure Identity – best for identity theft insurance with recovery support
Best identity theft insurance services – our detailed list
After reviewing 14 providers, I’ve narrowed the list down to the 6 best identity theft insurance services. All of the providers below offer high coverage, good price-to-value ratios, essential identity theft protection features, and 24/7 customer support.
1. Coveron – best identity theft insurance overall
| Rating: | |
| Insurance: | $2M identity theft, $100K cyber extortion, $100K home title, $100K online fraud, $10K cyberattack |
| Free trial: | ❌ No |
| Money-back guarantee: | ✅ Yes, 30-day |
| Starting price: | $6.64/month |
| Special deal: | Get up to 62% OFF with a 2-year plan + additional 5% OFF with cybernews5 |
Coveron is my top recommendation if you need broad identity theft insurance. It offers $2 million in identity theft coverage and additionally covers cyber extortion, online fraud, cyberattacks, and home title fraud. This way, you get complete financial protection across all the key identity theft risk areas, as well as other protection and cybersecurity tools.
Coveron features
Here’s what features you can get with a Coveron plan:
- $2 million identity theft insurance: reimburses identity recovery expenses, subject to policy terms and a $100 deductible.
- $50,000 cyber extortion insurance: helps with losses and expenses related to cyber extortion, such as ransom payments and data recovery.
- $25,000 home title insurance: covers costs related to home title fraud, such as attorney fees and title recording expenses.
- $10,000 online fraud insurance: provides reimbursement for losses from online scams and crypto fraud.
- $10,000 cyberattack insurance: covers losses caused by malware, trojan, and ransomware attacks.
- Security alerts: sends alerts about data leaks, stolen credentials, suspicious credit activity, and malware breaches.
- Dark web monitoring: checks the dark web for exposed personal information and credentials.
- Credit and financial monitoring: tracks suspicious credit and financial account activity with 3-bureau credit monitoring.
- Cybersecurity extras: the Full Protection plan includes a VPN, antivirus, and personal data removal service.
Coveron identity theft insurance
Coveron’s insurance policy provides up to $2 million for identity recovery expenses, including credit bureau reports, document replacement, application fees, notary and postage costs, and necessary legal fees. Compared to LifeLock’s $3 million limit, Coveron offers less, but its insurance covers four additional types of threats, while LifeLock only adds one: Coveron offers $50,000 for cyber extortion, $25,000 for home title fraud, $10,000 for online fraud, and $10,000 for cyberattacks; LifeLock only adds $10,000 in scam reimbursement.
Reimbursement is also available for lost wages and child or elder care, up to $5,000, when you need time away to deal with the theft, plus mental health counseling up to $1,000 and other miscellaneous expenses up to $1,000.
Note that identity and cyber insurance benefits are only available to US residents, including US territories and Washington, D.C., except New York residents. The coverage has a $100 deductible, which means you’ll need to cover $100 of expenses yourself, and Coveron will pay the rest. Claims are handled through a third party, HSB Specialty Insurance Company, with an identity restoration case manager available to help you with the recovery process.
Verdict: Coveron is my number-one pick because no other provider combines $2 million identity theft insurance with additional cyber extortion, online fraud, cyberattack, and home title coverage. It’s ideal if you need financial backup for multiple identity-related risks and want broad digital and fraud protection.
2. Norton LifeLock – insurance with the highest coverage limits
| Rating: | |
| Insurance: | $3M identity theft, $10K scam reimbursement |
| Free trial: | ✅ Yes, 30-day |
| Money-back guarantee: | ✅ Yes, 60-day |
| Starting price: | $10.42/month |
| Special deal: | Get up to 16% OFF Norton LifeLock |
LifeLock stands out on this list for its uncommonly high identity theft insurance limits. It provides up to $3 million per adult, including up to $1 million each for stolen funds, personal expenses, and lawyers and experts. That makes it particularly suitable for people who want substantial financial protection if identity theft occurs.
LifeLock features
Here are the features included in LifeLock’s plans:
- $3 million identity theft insurance: up to $3 million per adult, with up to $1 million for stolen funds and $1M for lawyers and experts.
- $10,000 scam reimbursement: covers financial losses caused by scams.
- Identity restoration specialists: a team of US-based specialists will guide you through the identity recovery process.
- Security alerts: sends alerts for suspicious charges, bank account activity, identity verification, breaches, and other warning signs.
- Credit monitoring: monitors your credit reports from the 3 bureaus for any suspicious changes.
- Dark web monitoring: searches for personal information leaked on the dark web.
- Automatic data broker removal: finds personal information on people search sites and sends removal requests every 90 days.
- Financial account monitoring: monitors checking, savings, investment, and 401(k) activity.
- Home title monitoring: looks for changes involving your home title records to prevent title fraud and unauthorized transfers.
- Phone takeover monitoring: identifies unauthorized attempts to take control of your phone number to prevent SIM swap fraud.
- Credit and payday loan lock: lets you lock your credit file and block new payday loans.
- Additional security tools: Norton 360 with LifeLock bundles include an antivirus, VPN, and password manager.
LifeLock identity theft insurance
LifeLock's insurance package covers stolen funds, personal expenses, and lawyer and expert costs. On the highest-tier plan, each category has a $1 million limit, giving you up to $3 million in total reimbursement, which is more than what Coveron offers. The other plans have lower limits for stolen funds and personal expenses but still include $1 million for lawyers and experts. Children on family plans can receive up to $1 million for lawyers and experts and up to $25,000 for stolen funds and personal expenses.
Stolen funds reimbursement covers money taken from bank, investment, or credit accounts because of identity theft. Personal expenses include childcare, travel, document replacement, and lost wages resulting from identity theft.
There’s no cap on the number of identity theft incidents you can report in a year, although policy terms, conditions, and exclusions apply. Some expenses might need to be paid out of pocket first before reimbursement. Scam reimbursement is only available to US customers, including US territories and Washington, D.C., except New York residents. Claims are handled by a third party, HSB Specialty Insurance Company.
Verdict: I recommend LifeLock if you want very high financial protection after identity theft – up to $3 million. The high limits are especially important if you have significant finances, investments, property, and other assets that you need to protect.
3. Aura – complete identity and device protection in one subscription
| Rating: | |
| Insurance: | $1M identity theft |
| Free trial: | ✅ Yes, 14-day |
| Money-back guarantee: | ✅ Yes, 60-day |
| Starting price: | $8.00/month |
| Special deal: | Get up to 66% OFF Aura Identity Theft Protection |
Aura offers all-in-one identity theft protection: identity, credit, financial, privacy, and device security in one service. You get three-bureau credit monitoring, dark web monitoring, identity theft insurance, an antivirus, a VPN, a password manager, and scam protection, all of which make it a convenient choice for broad protection.
Aura features
Here’s what you get with Aura:
- $1 million identity theft insurance: every adult gets up to $1 million in coverage for identity theft losses and expenses.
- Security alerts: sends alerts about suspicious credit activity, financial transactions, data breaches, dark web leaks, and other threats.
- Credit monitoring: monitors Experian, Equifax, and TransUnion for inquiries into your credit files.
- Dark web monitoring: tracks more than 266 types of personal information for exposure on the dark web.
- Financial transaction monitoring: watches bank, credit card, investment, and 401(k) accounts for unusual activity.
- Home and auto title monitoring: monitors your property and auto titles for signs of fraud.
- Data removal: removes your information from 425+ data brokers, people search sites, junk-mailers, and Google search results.
- Family protection tools: parental controls, Safe Gaming by Kidas, and online well-being monitoring.
- Additional security tools: antivirus, VPN, ad blocker, password manager, and AI scam protection.
Aura identity theft insurance
Aura’s identity theft insurance provides a total of $1 million per adult – less than Coveron’s $2 million and LifeLock’s $3 million. It can reimburse costs such as legal fees, credit-freeze and thaw fees, document verification, travel and postage, court costs, child or elder care, and lost wages.
For stolen money, Aura can cover up to $1 million in unrecovered funds, as part of the total $1 million coverage, but you must first try to recover the money from your bank or financial institution. You can only claim this benefit once during a 12-month period.
There are important conditions you need to consider: you must be an active, paid member when the loss occurs, and the loss must be reported within 90 days of discovery. Coverage is subject to policy exclusions and may not be available in every jurisdiction. The insurance benefits are provided by a third party, American Bankers Insurance Company of Florida.
Verdict: Aura is a good choice if you want several layers of protection without subscribing to multiple services. Instead of focusing only on identity theft, it combines credit, financial, privacy, device, password, and scam protection in one package. It’s especially useful for families, as it also includes multiple tools for child security.
4. Surfshark Alert – budget-friendly identity theft insurance
| Rating: | |
| Insurance: | $1M identity theft |
| Free trial: | ❌ No |
| Money-back guarantee: | ✅ Yes, 30-day |
| Starting price: | $4.49/month |
| Special deal: | Get up to 85% OFF Surfshark Alert + 3 months FREE |
Surfshark Alert is a good option if you’re looking for the most affordable identity theft insurance. With the One+ plan at just $4.49/month, you’ll get up to $1 million in recovery coverage, identity theft protection tools, an antivirus, data leak alerts, and data removal.
Surfshark Alert features
Surfshark Alert offers the following features:
- $1 million identity theft insurance: covers expenses incurred during the identity recovery process, including mental health counseling and lost wages.
- Security alerts: monitors the dark web for leaked email addresses, passwords, credit cards, IDs, and other personal information.
- ID monitoring: checks IDs from more than 90 countries for exposure in leaked databases.
- Credit card monitoring: alerts you if your card information appears in a leak.
- Scam protection: protects you from SMS and email scams.
- VPN, ad blocker, and antivirus: protects your internet connection and devices from online threats.
- Incogni data removal: removes your personal information from data brokers.
- Alternative ID: creates an alternative online identity and email so you can keep your real details private.
Surfshark Alert identity theft insurance
Surfshark Alert’s identity theft coverage is included in the One+ plan and provides up to $1 million for identity recovery expenses, including credit reports, document replacement, application fees, notary and postage costs, and necessary legal expenses.
The $1 million limit also includes up to $5,000 for lost wages and child or elder care, $1,000 for mental health counseling, and $1,000 for other miscellaneous expenses. A licensed identity theft investigator can also help with the recovery process.
Surfshark Alert’s insurance policy covers customers in the US, including US territories and the District of Columbia, but excludes New York State residents. Stolen identity events must be reported within 60 days of discovery, and insurance benefits are issued by HSB Specialty Insurance Company.
Verdict: While Surfshark Alert’s $1 million insurance coverage is lower than that of Coveron and LifeLock, it still covers all the main risk areas and identity theft protection tools and does so at the most affordable price on this list. That’s why I recommend choosing Surfshark Alert if your priority is a low price with standard coverage.
5. Bitdefender Identity Theft Protection – identity theft insurance with cyber fraud protection
| Rating: | |
| Insurance: | $2M identity theft and stolen funds, $25K ransomware, $25K social engineering |
| Free trial: | ❌ No |
| Money-back guarantee: | ✅ Yes, 30-day |
| Starting price: | $7.99/month |
| Special deal: | Get up to 52% OFF Bitdefender! |
Bitdefender is a strong choice if you want high identity theft coverage without giving up protection against other online fraud. It offers up to $2 million in identity theft insurance and up to $25,000 each for ransomware and social engineering losses.
Bitdefender Identity Theft Protection features
Bitdefender’s key features include:
- $2 million identity theft insurance: includes reimbursement for identity theft expenses and stolen funds.
- $25,000 ransomware reimbursement: covers losses after a ransomware attack.
- $25,000 social engineering reimbursement: covers losses after scams that trick you into giving away sensitive information or money.
- Identity theft monitoring: includes dark web, social media, change-of-address, court record, and sex offender registry monitoring.
- Security alerts: sends alerts about identity threats, fraud attempts, data breaches, and financial activity.
- Credit and financial monitoring: monitors Equifax, Experian, and TransUnion for inquiries into your credit reports.
- Smart SSN Tracker: alerts you when unfamiliar names, aliases, or addresses are linked to your Social Security number.
- Identity restoration: US-based Certified Protection Experts provide 24/7 identity recovery assistance.
- Lost wallet protection: helps cancel and replace cards if your wallet is lost or stolen.
- Cybersecurity tools: offers bundles with an antivirus, a VPN, a password manager, and scam protection.
Bitdefender Identity Theft Protection identity theft insurance
Bitdefender Identity Theft Protection provides up to $2 million in identity theft insurance, which covers identity theft expenses, lost wages, and stolen funds. The Premium plan also includes up to $25,000 each for ransomware and social engineering reimbursement. Ransomware coverage addresses losses caused by ransomware attacks, while the social engineering benefit helps in cases when a criminal tricks you into revealing information or transferring money. Note that the service is only available to US customers and requires a valid Social Security number.
Bitdefender’s insurance policy is similar to Coveron’s in that they both offer $2 million coverage, but Bitdefender takes a different approach to extra financial protection. Coveron adds separate coverage for cyber extortion, home title fraud, online fraud, and cyberattacks, while Bitdefender focuses its additional reimbursement on ransomware and social engineering losses.
Verdict: Bitdefender combines high identity theft coverage with extra protection against ransomware and social engineering. Therefore, it’s best suited to users who want substantial financial protection but are also concerned about scams and cyberattacks.
6. Avast Secure Identity – insurance with excellent customer support
| Rating: | |
| Insurance: | $1M identity theft |
| Free trial: | ❌ No |
| Money-back guarantee: | ✅ Yes, 30-day |
| Starting price: | $6.99/month |
| Special deal: | Save up to 16% on Avast Secure Identity |
Avast Secure Identity offers $1 million identity theft insurance with 24/7 recovery support. If identity theft happens, Avast can help with the paperwork and calls needed to restore your identity, while its Restoration Guarantee adds another layer of support.
Avast Secure Identity features
Here are the features included with Avast plans:
- $1 million identity theft coverage: includes up to $1 million for lawyers and experts, stolen funds, lost wages, child and elder care, and travel expenses.
- 24/7 identity restoration support: specialists will help you work through an identity theft case and get it back.
- Restoration Guarantee: if Avast cannot restore your identity, you can get back up to 12 months of your subscription.
- Security alerts: alerts you about suspicious identity and credit activity.
- Dark web monitoring: watches the dark web for exposed personal information, including bank details, card details, and passwords.
- Credit monitoring: checks 1 credit bureau for suspicious changes.
- Financial monitoring: monitors financial activity and flags potentially suspicious transactions.
- Data breach notifications: alerts you when major breaches may affect your information.
- Stolen Wallet Assist: helps with canceling and replacing cards and identification documents.
Avast Secure Identity identity theft insurance
Avast Secure Identity provides up to $1 million in total coverage, including up to $1 million for lawyers and experts, $25,000 for stolen funds, and $25,000 for expense compensation. Eligible expenses include some out-of-pocket costs, lost wages, travel, and child or elder care. The insurance is provided by a third party, Hamilton Insurance DAC.
Avast’s limits are a lot lower than LifeLock’s and Coveron’s limits. However, unlike Coveron, Avast doesn’t have a deductible, which means Avast will cover 100% of the eligible expenses, and you won’t need to pay any part of it yourself.
Avast’s recovery support is particularly useful: in the case of identity theft, Avast’s specialists will handle all the paperwork and calls. Plus, with its Restoration Guarantee, you can get up to 12 months of your subscription payments back if Avast can’t restore your identity.
Verdict: Avast’s identity theft insurance is a perfectly good option for covering one individual in case of identity theft. 24/7 specialist assistance and the 12-month Restoration Guarantee provide valuable support in a time of crisis.
Identity theft protection insurance service comparison
As insurance policies can be confusing and the six providers above have a lot in common, I’ve compiled a table comparing all the key aspects of each provider to make it clearer how they differ. I focused on the most important factors for identity theft insurance and protection, such as coverage amount, conditions, and features.
| Provider | Rating | Starting price | Best for | Insurance | Terms and conditions | Number of people covered | Key features | Free trial | Money-back guarantee |
| Coveron | $6.64/month | The most comprehensive insurance policy | $2M identity theft, $100K cyber extortion, $100K home title, $100K online fraud, $10K cyberattack | Only available to US residents, except New York; has a $100 deductible; claims go through HSB Specialty Insurance Company | 1 adult on Individual; up to 5 adults and all children on Family | Identity theft, dark web, credit, loan, financial, and criminal record monitoring, malware breach alerts, VPN, next-gen antivirus, data removal | ❌ No | ✅ Yes, 30-day | |
| Norton LifeLock | $10.42/month | The highest identity theft insurance limits | $3M identity theft, $10K scam reimbursement | No caps on identity theft reports; some initial out-of-pocket expenses; scam reimbursement only available to US customers, except New York; claims go through HSB Specialty Insurance Company | 1 adult on Individual; 2 adults on Couple; 2 adults + up to 10 kids on Family | Identity theft, dark web, credit, loan, financial, home title, and phone takeover monitoring, identity restoration specialists, data broker removal | ✅ Yes, 30-day | ✅ Yes, 60-day | |
| Aura | $8.00/month | All-in-one identity theft protection | $1M identity theft | Stolen funds can be reimbursed only once during a 12-month period; loss must be reported within 90 days of discovery; may not be available in every jurisdiction; claims go through American Bankers Insurance Company of Florida | 1 adult on Individual; 2 adults on Couple; 5 adults + unlimited kids on Family; unlimited kids on Kids | Identity theft, credit, dark web, financial transaction, home title and auto title monitoring, data removal, parental controls, Safe Gaming by Kidas, online well-being monitoring, antivirus, VPN, ad blocker, password manager, scam protection | ✅ Yes, 14-day | ✅ Yes, 60-day | |
| Surfshark Alert | $4.49/month | Budget-friendly identity theft coverage | $1M identity theft | Only available to US residents, except New York; stolen identity must be reported within 60 days; claims go through HSB Specialty Insurance Company | 1 adult on the One+ plan | Dark web and credit card monitoring, ID leak monitoring, scam protection, VPN, ad blocker, antivirus, data removal, Alternative ID | ❌ No | ✅ Yes, 30-day | |
| Bitdefender Identity Theft Protection | $7.99/month | High identity theft coverage and fraud protection | $2M identity theft and stolen funds, $25K ransomware, $25K social engineering | Only available to US customers; requires a Social Security number | 1 adult on individual plans; 1 household on family plans | Identity theft, dark web, credit, financial, social media, change-of-address, court record, and sex offender registry monitoring, antivirus, VPN, password manager, scam protection | ❌ No | ✅ Yes, 30-day | |
| Avast Secure Identity | $6.99/month | Identity theft insurance with excellent recovery support | $1M identity theft | 12-month Restoration Guarantee; no deductible; claims go through Hamilton Insurance DAC | 1 adult on individual plans | Dark web, credit, and financial monitoring, data breach alerts, 24/7 identity restoration support, Stolen Wallet Assist | ❌ No | ✅ Yes, 30-day |
Our in-house experts test identity theft protection services using real-world scenarios and consistent criteria. We assess monitoring, alerts, recovery support, and data handling to help readers compare providers confidently. Learn more about our testing process.
What is identity theft insurance?
Identity theft insurance is financial protection that can help cover some costs after someone uses your personal information without your permission. Note that insurance is not the same as identity theft monitoring or protection. Monitoring and protection tools are designed to spot warning signs of identity theft, such as your information appearing in a data breach. Insurance helps with the financial costs related to recovering your identity when it is stolen.
Most identity theft insurance companies offer up to $1 million in reimbursement, with Coveron and LifeLock offering more – $2 million and $3 million, respectively. Depending on the policy, eligible costs can include stolen funds reimbursement, legal or attorney fees, lost wages, travel expenses, child care, and other fraud-related expenses.
Here’s how identity theft insurance works:
- Identity theft occurs. Someone uses your Social Security number to open an account, take out a loan, or steal money.
- You report the incident. You notify your insurance provider and the relevant financial institution within the specified timeframe. For example, if you use Aura, you’ll need to report your losses within 90 days of discovery.
- The provider helps with identity restoration. A recovery specialist can help you contact banks, file reports, and repair your credit.
- Eligible expenses are reimbursed. If the expense is covered by your policy, the insurer can reimburse you up to the policy limits.
Why you need identity theft insurance
Dealing with identity theft can be very expensive. You might need to spend thousands of dollars on lawyers, legal fees, and stolen document replacement to get your identity back and fix your credit score. Identity theft insurance can help reduce the financial burden of this process.
Another important benefit is the recovery help that often comes with insurance. After you report identity theft, a restoration specialist can help you work through the steps needed to restore your identity, saving you time. Having someone guide you through the process can be especially helpful when several accounts or pieces of personal information are affected.
Many services also provide monitoring while you recover. Depending on the plan, this might include monitoring your credit reports with all three major credit bureaus, as well as bank accounts, Social Security numbers, addresses, and other personal data.
Identity theft insurance won’t prevent fraud and might not reimburse every loss, but it can give you financial protection and practical support when dealing with identity theft.
Who needs identity theft insurance?
Having identity theft insurance is useful for anyone who uses online banking, credit cards, or digital accounts or frequently shops online. But it’s especially important if you have a lot of personal or financial information to protect.
Families can benefit from insurance too because children are common targets of identity theft due to their clean credit records and because such theft often goes unnoticed for years. Plus, parents might have multiple bank accounts, credit cards, devices, and online accounts that they need to manage and protect.
If you have strong credit or substantial savings, you might also want to consider extra protection. A cybercriminal who gets your Social Security number could try to open loans or credit cards in your name. Compromised bank information could also lead to stolen funds.
Finally, consider identity theft insurance if you want professional help when something goes wrong. Some providers offer fraud specialists who can help contact necessary parties and guide you through identity restoration.
Final verdict: which is the best identity theft insurance service?
Based on my testing results, Coveron is the best identity theft insurance service in 2026. It combines $2 million in identity theft coverage with additional protection for cyber extortion, home title fraud, online fraud, and cyberattacks. It also includes 3-bureau credit monitoring, dark web monitoring, and identity recovery support, making it a well-rounded service.
Norton LifeLock is a good alternative if you want the highest insurance limit – up to $3 million. Aura is another strong choice for all-in-one protection, with $1 million in coverage, 3-bureau monitoring, dark web data monitoring, data removal, an antivirus, a VPN, and family security tools.
FAQ
What is the best identity theft insurance service?
Coveron is the best identity theft insurance service. It provides up to $2 million in identity theft insurance, plus coverage for cyber extortion, online fraud, home title fraud, and cyberattacks. It also includes dark web monitoring, credit and financial monitoring, identity recovery support, and additional cybersecurity tools.
Is identity theft insurance worth it?
Yes, identity theft insurance is worth it because recovering from identity theft can involve expensive legal fees, lost wages, document replacement, and other costs. A good insurance policy will reimburse some of these expenses and provide identity recovery help, while monitoring tools can help prevent identity theft in the first place.
What is the average cost of identity theft insurance?
The average cost of identity theft insurance is $5 to $10 per month. However, after the first term’s discount, the price often increases to $10 to $20 per month. Note that insurance is usually bundled with monitoring and other protection services, and so the more tools are included, the higher the price will be.
Can someone steal your identity without your SSN?
Yes, someone could steal your identity without your SSN. Your Social Security number is important, but it’s not required for every type of identity theft. Criminals can use your name, address, email, passwords, credit card details, or bank information to access your accounts, impersonate you, or commit financial fraud.
What is the best identity theft protection?
Coveron is the best identity theft protection service, as it combines monitoring, alerts, recovery assistance, and insurance. Its features include 3-bureau credit monitoring, dark web monitoring, malware breach alerts, identity recovery support, and up to $2 million in identity theft coverage, with additional coverage for other cybersecurity incidents.
