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Cyber Liability Insurance

Protection designed around certain cyber incidents and data-related exposures.

Cyber liability helps businesses respond to digital incidents, from data breaches to ransomware. Coverage varies widely between carriers, and many require basic security steps such as multi-factor authentication.

What it can help cover

  • Response costs after a data breach, such as notification and forensics
  • Ransomware and certain network interruptions
  • Claims from customers whose data was exposed

What it typically doesn’t cover

  • Upgrades to your systems after an incident
  • Losses from poor security the policy requires you to fix
  • Some funds-transfer fraud, unless specifically added

Every policy is different. Your actual coverage depends on the policy terms, limits and exclusions.

FAQ

About cyber liability

We’re a small business. Do we need cyber?

Small businesses are frequent targets because they often have fewer protections. If you store client data or take payments, it is worth reviewing.

Does cyber cover social engineering fraud?

Some policies offer it as an option, often with lower limits. It should be reviewed specifically.

Related

Coverage often paired with it

General Liability

Protection for everyday business liability risks.

  • Customer or visitor injuries at your business
  • Damage you accidentally cause to someone else’s property
  • Certain advertising and personal-injury claims

ExampleA client trips over a cable in your office and is injured. General liability can help with covered medical bills and your legal defense.

Workers’ Compensation

Coverage designed to protect employees and businesses when work-related injuries occur.

  • Medical care for covered work-related injuries or illnesses
  • A portion of lost wages while an employee recovers
  • Employer’s liability if you are sued over a workplace injury

ExampleA kitchen employee burns their hand during a shift. Workers’ compensation can help pay for treatment and part of their wages while they heal.

Business Owners Policy

A convenient combination of business property and liability protection for eligible businesses.

  • General liability for everyday claims
  • Commercial property for your space, equipment and inventory
  • Business income if a covered loss forces you to pause

ExampleA pipe bursts and floods your shop. A BOP can help repair the space, replace damaged inventory and replace lost income while you are closed.

Get a cyber liability quote.

Tell us about your business and we’ll help you explore options and limits that fit.