Cyber Liability Insurance
Coverage that keeps your business online and secure.
Cyber liability insurance helps protect your business from the financial and legal fallout of data breaches, ransomware, and cyberattacks.
From customer notifications to legal defense and data recovery, the right coverage helps you respond quickly and keep your business running—without one incident putting everything at risk.
Why cyber liability insurance exists
Cyber liability insurance covers the financial and legal consequences of cyber incidents—whether caused by hackers, ransomware, or simple human error.
Even a single mistake, like clicking a phishing email or losing a laptop, can expose sensitive data and trigger costly notifications, lawsuits, and downtime.
What does it cover?
First-Party Coverage
Protection for your business when you’re directly affected by a cyber incident.
Data restoration and recovery
Ransomware payments and negotiation support
Customer notification and credit monitoring
Lost income due to business interruption
Crisis management and PR support
Third-Party Coverage
Protection if others claim your business is responsible for a data breach.
Legal defense and settlements
Regulatory fines and penalties (where insurable)
Liability related to data you store or manage for clients or vendors
Together, these coverages help reduce downtime, control costs, and protect customer trust after a cyber event.
Do I need cyber liability insurance?
If your business stores or transmits any customer or employee information, you’re exposed to cyber risk. Small businesses face the same digital threats as large corporations—often with fewer resources to recover.
You should consider cyber coverage if your business:
Stores customer or employee data (online or offline)
Accepts electronic or card payments
Uses cloud-based software or systems
Allows employees to access company data remotely
Would struggle to absorb the cost of downtime, legal action, or regulatory fines after a breach
Common cyber incidents
Examples of real-world cyber incidents that may be covered:
A hacker gains access to your point-of-sale system and steals customer credit card data.
An employee clicks a phishing link, encrypting company files with ransomware.
A lost laptop exposes confidential HR or payroll information.
Your business email is compromised, leading to fraudulent wire transfers.
Be prepared before a cyber incident happens.
Cyber threats evolve every day. We’ll help you choose cyber coverage that fits your business, your systems, and your risk—so you’re protected, compliant, and resilient.