Cyber Insurance
A data breach or ransomware attack can shut down a business of any size, and most liability and property policies exclude it. Cyber policies vary a lot, so we compare several, explain in plain language what each covers and expects of you, and help you answer the security questions on the application. Call or text and we'll walk you through it, start to finish.
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What It Covers
What Cyber Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Breach response, forensics and customer notification
- Restoring data and systems
- Income lost during a cyber event
- Ransomware and cyber extortion
- Liability if customer data is exposed
Good to Know
Before You Buy
Cyber policies vary more than almost any other line. We compare the terms that matter with you before you buy.
- Security questions. Many insurance companies ask about multi-factor authentication and backups before they'll quote.
- Notification laws. Every state has laws requiring businesses to notify people after certain data breaches. Notification and legal costs add up quickly.
- Wire fraud. Wire fraud and social engineering coverage may be limited or need to be added.
- Ransomware. Ransomware terms and limits vary widely between policies.
- Downtime. Lost income after an attack can cost more than the attack itself. Check the waiting period before income coverage starts.
- Vendors. A breach at a vendor or cloud provider may or may not be covered. Ask how your policy treats it.
Pair It With
Gaps to Check With Cyber
Cyber covers data and the response to an attack. These need their own coverage, and we check for each one when we quote.
Mistakes in Your Work Need Professional Liability
A claim that your advice or service caused a loss usually falls under professional liability.
Physical Injuries Need General Liability
Customer injuries and property damage fall under general liability, not cyber.
A BOP's Cyber Add-On Is Often Small
If your BOP includes cyber, check the limit. Many businesses need a separate policy.
Your Computers Need Property Coverage
Cyber covers data and response. The hardware itself is usually covered by property.
Umbrellas Usually Don't Sit Over Cyber
Most commercial umbrellas exclude cyber, so your cyber limit needs to stand on its own.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
More Business Insurance
Other Business Options
Let's Look at Your Business.
Final approval and pricing are set by the insurance company.