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Business Insurance

Cyber Liability Insurance

Data breach response, ransomware, and liability from customer data that ends up somewhere it shouldn't, covering costs a standard business policy was never built to touch.

Get a quote for Cyber Liability

What it covers

  • Incident response costs, including forensic investigation after a breach
  • Ransomware negotiation and payment support
  • Legal costs for required client and regulatory notification after a breach
  • Business interruption from a covered cyber event
  • Liability for a third party's data exposed through your systems

What it doesn't cover

  • Losses from outdated systems you knowingly failed to patch, in some cases
  • Reputational damage itself, though notification costs are covered
  • Physical damage to hardware (that's Commercial Property)
  • Criminal acts committed by your own employees, typically

Who needs this

Any business that stores customer data, takes payments electronically, or would be seriously disrupted by a ransomware attack, which today is most businesses.

From our horror stories

Locked Out by Ransomware

The office network gets encrypted overnight. No backup, no cyber policy, and a five-figure ransom paid out of pocket just to get the files back.

Read the full story →
Common questions

Cyber Liability FAQ

I'm a small business, do I really need this?

Small businesses are targeted specifically because they tend to have weaker defenses and no dedicated IT security. Size doesn't reduce the risk the way people assume.

Does having a firewall and antivirus mean I don't need this?

Those reduce risk, they don't eliminate it. Cyber liability responds to the financial fallout after a breach happens despite your defenses.

What's the first thing I should do after a breach?

Call us immediately, before doing anything else to the affected systems. Early forensic evidence often matters for both recovery and the claim itself.

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