“In January 2009, Heartland announced a major security breach of its network, following which an attacker stole details for over 100 million payment cards stored on its systems by over 650 of Heartland’s customers. Following this devastating hack and one of the biggest of the 2000s, Heartland paid over $148 million in settlement fees for various lawsuits, and other remediation costs and expenses Heartland owed its customers. As part of their insurance agreements, the two firms paid $30 million to Heartland in the hack’s aftermath, with the Lexington Insurance Company footing a $20 million bill, and the Beazley Insurance Company paying another $10 million.”