43% of data breaches target small businesses — and your General Liability policy won't cover them. Cyber insurance fills the gap with breach response, legal coverage, and financial protection.
Standard General Liability insurance was not designed to cover cyber incidents. A data breach, ransomware attack, or computer fraud event can expose your business to costs that fall completely outside the scope of a GL policy — including notification requirements, legal liability for exposed customer data, and the forensic investigation needed to understand what happened.
Cyber insurance addresses these gaps directly, with coverage built specifically for digital threats.
Covers your liability when customer or employee private information is exposed as a result of a breach.
Covers the cost of notifying affected individuals, managing public communications, and engaging crisis response professionals.
Pays for attorneys and digital forensic experts to determine the scope of a breach and navigate regulatory obligations.
Retroactive coverage for incidents that began before your policy was purchased — typically up to 3 years back. Requires an active policy before the incident is discovered.
Covers ransom payments and response costs associated with ransomware and cyber extortion events.
Protects against financial losses from fraudulent wire transfers and computer fraud schemes targeting your business accounts.
Credit monitoring services for affected customers, plus optional business interruption coverage for downtime caused by hardware damage from a cyber event.
Don't wait until after a breach to get cyber coverage. Prior acts coverage requires an active policy before the incident is discovered — if you don't have a policy in place, those prior incidents won't be covered.
As an independent agency, we work with multiple carriers to customize a cyber policy based on your specific business — your industry, the data you handle, your revenue, and your existing security measures. There's no one-size-fits-all solution for cyber risk, and we don't treat it like there is.