Identity Theft Expense Reimbursement Insurance

Evidence of Coverage


[Administrative Office: 100 West Bay Street, Jacksonville, FL 32202]

[(800) 888-2738]

Identity Theft Expense Reimbursement Evidence of Coverage


Throughout this document, “You” and “Your” refer to the individual or Family Member who is a covered accountholder of the Program Sponsor as defined by the terms and conditions for the identity theft group services program. The covered account must be active.  “We” and “Us” refer to Lyndon Southern Insurance Company. In addition, when in bold certain words and phrases are defined as follows:

1) Legal Expenses: Reasonable and necessary attorney fees or court costs associated with defending any suit brought against You by merchants, financial institutions or other credit grantors, or their collection agencies, or the removal of any criminal or civil judgment wrongly entered against You as a result of Identity Theft;

2) Lost Wages: Actual U.S. wages or salary You lose as a direct result of time off work taken by You to report or address the effects of Identity Theft;

3) Miscellaneous: Loan applications fees, long distance telephone costs, mailing and postage costs, costs of having affidavits or other documents notarized. Costs to purchase up to four (4) credit reports from any of the three major credit bureaus (Experian, Equifax, or TransUnion).  The credit reports may be purchased only after the Identity Theft has occurred and for the purpose of correcting inaccuracies that occur as a result of Identity Theft.


We will reimburse You or a Family Member for Identity Theft Expenses You incur as a result of an Identity Theft incident that occurs or was first known to You during the Coverage Period.  Coverage is secondary to any other applicable insurance or coverage available to You.  This EOC is not transferable to another person or entity.


Coverage is limited to Your actual Identity Theft Expenses, not to exceed a total of $10,000.  Coverage is further limited to 


There is a $0.00 USD deductible per claim.


Coverage does not apply to:



To file a claim, You or a Family Member must contact the Administrator by phone or email within thirty (30) days of the date of the Identity Theft. Otherwise, the claim may be denied.  A claim form will be sent to You. The fully completed claim form must be returned to the Administrator at ID THEFT, 621 Saint Johns Ave, Palatka, FL 32177 with: 

All these required items, including the claim form, must be postmarked within sixty (60) days of the date of the loss. Otherwise, the claim may be denied.


Coverage is provided under a Group Policy issued by Lyndon Southern Insurance Company. This EOC is a summary of benefits provided to You.

Obtain a copy of the specific Evidence of Coverage with your financial institution. 

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  *Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. For Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, visit 
** MONITORING SERVICES ARE PROVIDED TO ALL NAMED ACCOUNT HOLDERS ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring alerts are provided by email and/or SMS text. Credit Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. Identity authentication is required to view credit monitoring alerts, reports, and scores, and to extend credit monitoring to all three bureaus. The credit score provided may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine creditworthiness for any particular loan opportunity. By utilizing TransUnion® Credit Lock/Unlock you are not locking your Experian® or Equifax® credit reports.