The Threat You Can't See.

One clicked link can paralyze your business. Cyber Liability Insurance covers the massive costs of data breaches, ransomware attacks, and social engineering fraud.

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It's Not "If", It's "When"

Many small business owners believe hackers only target large corporations. This is a dangerous myth.

Automated bots scan the internet 24/7 looking for vulnerabilities in small business networks. In fact, small businesses are often preferred targets because their security is easier to bypass.

Cyber Liability Insurance provides the financial backing and expert team you need when a breach occurs. Without it, you are responsible for IT forensics, legal fees, notifying every customer, and paying potential ransoms—costs that average over $200 per compromised record.

Who Is At Risk?

If you use email or a computer, you have exposure. High-risk categories include:

Retail & E-commerce: Handling credit card data (PCI compliance).
Healthcare: Holding sensitive patient records (HIPAA).
Professional Services: Lawyers/Accountants holding client financial data.
Contractors: Often targeted for wire transfer fraud (fake invoices).

Anatomy of a Cyber Policy

First-Party Response

This covers your immediate costs to fix the problem. When a breach happens, you need an instant response team.

IT Forensics: Experts to find and stop the hack.
Notification: Cost to mail letters to affected customers.
Credit Monitoring: Paying for protection for your clients.
PR Firms: To protect your brand reputation.

Third-Party Liability

If your data breach causes your clients to lose money or suffer identity theft, they will sue you. This section covers your defense.

Legal Defense Costs
Settlements & Judgments
Regulatory Fines (where insurable)
PCI Fines (Credit Card penalties)

Cyber Crime & Ransomware

Modern hackers don't just steal data; they lock your computers and demand money (Ransomware), or trick your employees into wiring funds (Social Engineering).

Cyber Extortion: Reimbursement for ransom payments.
Social Engineering: Funds lost to fake vendor emails.
Business Interruption: Replaces income while your system is down.

The General Liability Gap

The biggest mistake business owners make is assuming their standard insurance covers cyber attacks.

Your General Liability policy explicitly excludes electronic data. It covers bodily injury and physical property damage (like a fire), but it will not pay a cent to restore digital files, pay a ransom, or defend you against a privacy lawsuit.

Without a standalone Cyber Policy (or a comprehensive endorsement), a single breach can be a "business-ending event" due to the overwhelming out-of-pocket costs.

✔ Access to Experts: The policy comes with a 24/7 Breach Response hotline.
✔ Compliance: Helps you meet state laws regarding data breach notification.
✔ Wire Fraud: Covers you when an employee is tricked into sending money to a fake account.

Close Your Cyber Gap

Common Cyber Questions

What is Social Engineering?

This is when a hacker tricks an employee (phishing). For example, receiving an email that looks like it's from the CEO asking to "Wire $10k to this vendor immediately." Cyber policies include specific sub-limits for this fraud.

What requirements do I need to get covered?

Carriers now require basic hygiene. You almost certainly need MFA (Multi-Factor Authentication) on your email and remote access to get a quote. Backups must also be encrypted and offline.

Does this cover my hardware?

Generally, no. Cyber insurance covers data and liability. If a hacker "bricks" your server, it might pay to restore the software, but replacing the physical server usually falls under Property Insurance.

Is it expensive?

It varies by revenue and record count, but for small businesses, policies can start as low as $500-$1,000/year. Considering a breach costs an average of $150k+, it is highly cost-effective.