Cyber Liability Insurance
Coverage options for data breaches, cyber incidents, business interruption, recovery costs, and digital liability exposures.
Commercial Insurance
Coverage That Matches the Exposure
Cyber risk is not limited to technology companies. Businesses that store customer information, accept electronic payments, depend on cloud systems, or use email can be disrupted by ransomware, fraud, data breaches, and other cyber events.
What This Coverage Can Help Address
- Data breach response costs
- Cyber incident recovery expenses
- Certain business interruption losses
- Network and privacy liability
- Optional cybercrime and social engineering protections depending on the policy
Who Should Consider It
Is This Relevant to Your Business?
Any organization that relies on computers, email, online accounts, payment systems, customer data, or connected technology should evaluate its cyber exposure.
Common Questions
Cyber Liability Insurance FAQs
Is cyber insurance only for large companies?
No. Small and midsize businesses are also targets for ransomware, email compromise, payment fraud, and data theft, and may have fewer internal resources to absorb the disruption.
Does general liability cover a data breach?
Traditional general liability policies are not designed to address many modern cyber and privacy losses. Dedicated cyber coverage is used to address those exposures more directly.
What does a cyber insurer need to know about a business?
Applications often ask about security controls, backups, multi-factor authentication, employee access, data handled, revenue, and prior incidents.