Digital protection for the modern business.
Help protect your business from data breaches, ransomware, network interruptions, cybercrime and the financial impact of an unexpected digital incident.
Data-Breach Response
Help with forensic investigation, legal review, notification and customer support expenses.
Business Recovery
Coverage may help address lost income and extra expenses following a covered network interruption.
Specialized Response Team
Policies may provide access to legal, forensic, cybersecurity and crisis-management professionals.
Cybersecurity helps prevent attacks. Cyber insurance helps manage the impact.
Cyber insurance is designed to help businesses respond to certain financial, operational and legal consequences of a cyberattack, data breach or technology-related incident.
Even businesses with strong security controls can face phishing, employee mistakes, vendor incidents, malware, ransomware and other digital threats.
Common digital exposures
A cyber incident can begin with one small mistake.
Attackers frequently target employees, email accounts, vendors, payment systems and unpatched technology.
Phishing
A deceptive email or message convinces an employee to disclose credentials, open a malicious file or approve a fraudulent payment.
Employee-driven exposureRansomware
Malicious software encrypts files, disables systems or threatens to release sensitive information unless payment is made.
Operational disruptionEmail Compromise
A criminal gains access to a business email account and uses it to impersonate employees, executives or vendors.
Financial fraud riskHuman Error
An employee accidentally sends information to the wrong person, loses a device or misconfigures access to sensitive files.
Accidental data exposureVendor Breach
A software provider, payment processor or other outside service experiences a breach that affects your operations or information.
Third-party dependencySystem Outage
A security event, software failure or technology incident makes critical systems unavailable and interrupts business.
Revenue and downtime riskProtection before, during and after a cyber incident.
Coverage varies by insurance company and policy form. A cyber program can combine first-party expense coverage with third-party liability protection.
Data-Breach Response
Helps pay eligible costs associated with investigating and responding to a breach involving personal or confidential information.
- Forensic investigation
- Legal and privacy review
- Customer notification
- Credit-monitoring services
Business Interruption
May help replace eligible income and pay extra expenses when a covered cyber incident interrupts business operations.
- Lost net income
- Continuing expenses
- Temporary workarounds
- Dependent-business interruption options
Cyber Extortion
May cover eligible expenses associated with ransomware, extortion demands and professional response services.
- Incident-response consultation
- Negotiation professionals
- Extortion payment where lawful
- Threat investigation
Data Restoration
Helps cover eligible costs to restore, recreate or recover data and software damaged during a covered cyber incident.
- Data recovery specialists
- Software restoration
- System rebuilding
- Digital asset recovery
Privacy Liability
Helps defend the business against certain lawsuits or claims alleging failure to protect confidential information.
- Legal defense
- Eligible settlements
- Privacy-related claims
- Regulatory proceedings where covered
Cybercrime
Optional coverage may help address certain fraudulent transfers, social-engineering losses or electronic theft.
- Funds-transfer fraud
- Social engineering
- Invoice manipulation
- Telecommunications fraud
Crisis Management
May provide professional communication and reputation support following a public cyber or privacy incident.
- Public-relations services
- Customer communications
- Reputation management
- Media-response assistance
Incident Response
Many cyber policies provide access to a response hotline and preapproved experts following a suspected incident.
- Cybersecurity specialists
- Breach-response counsel
- Forensic investigators
- Recovery professionals
Media Liability
May help address certain claims arising from digital content, advertising, websites or online publications.
- Copyright allegations
- Defamation claims
- Online content liability
- Advertising injury
Protect your own business and your responsibility to others.
Cyber policies commonly combine first-party expense coverage and third-party liability coverage.
First-Party Coverage
Helps pay certain costs your own business experiences because of a covered cyber incident.
- Forensic investigation
- Data restoration
- Business interruption
- Cyber extortion
- Notification expenses
- Crisis-management services
Third-Party Coverage
Helps protect the business when customers, employees, regulators or other parties make a covered claim.
- Privacy liability lawsuits
- Network-security liability
- Eligible regulatory defense
- Media-liability claims
- Defense expenses
- Covered settlements
A coordinated response can reduce disruption.
A cyber policy may provide access to experienced professionals who help guide the business from initial discovery through recovery.
Detect
Identify suspicious activity, system disruption or unauthorized access.
Report
Contact the carrier’s incident-response hotline and follow the reporting instructions.
Contain
Work with approved experts to isolate systems, preserve evidence and stop further damage.
Recover
Restore systems, evaluate interruption losses and return operations to normal.
A digital incident can affect every part of the business.
These simplified examples illustrate how cyber coverage may respond. Actual coverage depends on the policy and facts of each claim.
Ransomware Attack
Malware encrypts the company’s files and shuts down operations for several days.
Cyber extortion, restoration and interruption coverage may apply.Customer Data Breach
Unauthorized access exposes customer names, contact details and payment information.
Breach response and privacy liability may respond.Fraudulent Wire Transfer
An employee receives altered payment instructions from what appears to be a trusted vendor.
Social-engineering or cybercrime coverage may be needed.Cloud Provider Outage
A technology provider experiences a cyber incident that prevents the business from accessing critical systems.
Dependent-business interruption may be relevant.Cyber insurance for businesses that depend on technology and data.
Any organization that uses email, stores customer information, accepts payments or relies on computer systems may have cyber exposure.
Healthcare
Patient information, medical records, scheduling systems and regulatory responsibilities.
Law Firms
Confidential client files, trust accounts, sensitive communications and payment instructions.
Financial Services
Financial records, payment activity, account information and strict security expectations.
E-Commerce
Online transactions, customer accounts, payment details and website availability.
Real Estate
Large wire transfers, client information, closing instructions and email-compromise exposure.
Accounting Firms
Tax information, financial statements, payroll data and confidential client records.
Transportation
Dispatch systems, fleet technology, payment processing and shipment information.
Manufacturers
Production systems, supply chains, vendor access and operational technology.
Nonprofits
Donor records, employee information, online payments and limited internal technology resources.
SaaS & Technology
Hosted data, customer platforms, application availability and contractual cybersecurity requirements.
Insurance Agencies
Policyholder records, financial information, carrier portals and email-based transactions.
Hospitality
Reservation systems, guest records, payment cards and operational network dependence.
Strong security controls can improve insurability.
Insurance companies commonly review the systems and procedures a business uses to prevent, detect and respond to cyber incidents.
Multifactor authentication adds another verification step when users log in and can help reduce the risk of account takeover.
What affects your cyber-insurance premium?
Pricing and eligibility depend on the business’s size, industry, data, technology dependence, security controls, prior incidents and requested coverage.
Request an Underwriting ReviewAnnual Revenue
Revenue helps indicate the scale of operations and potential business-interruption exposure.
Industry
Healthcare, financial, legal and technology businesses may have different risk characteristics.
Data Collected
The amount and type of personal, medical, financial or confidential data can affect underwriting.
Security Controls
MFA, backups, endpoint protection and employee training may influence eligibility and terms.
Prior Incidents
Previous breaches, ransomware events and cyber claims are typically reviewed.
Coverage Limits
Higher limits and broader cybercrime or interruption coverage generally affect the premium.
Build your cyber program in three clear steps.
We review your digital exposure, compare available coverage and help you understand the terms before binding.
Complete the Cyber Application
Tell us about your operations, revenue, data, systems, security practices and prior incidents.
Start your quote →Compare Cyber Options
Review available limits, retentions, cybercrime options, interruption terms and security requirements.
Review & Bind
Select your policy, complete any security requirements and receive your cyber-insurance documents.
What we may need to quote your cyber coverage.
Accurate information helps the insurance company evaluate your exposure and provide appropriate coverage terms.
Start My Cyber QuoteBusiness Information
Legal name, industry, annual revenue, employee count and description of operations.
Data Information
Types of personal, medical, financial or confidential information stored or processed.
Security Controls
Details about MFA, backups, endpoint security, email controls and employee training.
Technology Dependence
Critical applications, hosted systems, cloud providers, vendors and operational technology.
Cyber History
Prior breaches, ransomware incidents, claims and cybersecurity improvements.
Coverage Requirements
Requested limits, contract requirements, deductibles, cybercrime coverage and business-interruption needs.
Cyber insurance does not replace good cybersecurity practices.
Every policy contains conditions, exclusions, sublimits and security requirements that should be reviewed carefully.
Known Incidents
Breaches or circumstances known before the policy begins may not be covered.
Security Representations
Incorrect application answers about security controls can affect coverage and claim handling.
Physical Property
Damage to buildings, machinery or other physical property may require separate insurance.
Voluntary Payments
Expenses or payments made without the carrier’s approval may not be reimbursed.
Infrastructure Events
Widespread utility, internet or infrastructure failures may be restricted or excluded.
Contractual Liability
Some obligations accepted solely under a contract may not be covered unless specifically included.
Ready to compare cyber-insurance options?
Start your quote online or call our team at (305) 428-2005.
Cyber-insurance questions, answered.
Our team can help review your technology, data, security controls, cybercrime exposure and coverage requirements.