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Coverage
When ransomware locks your systems or a breach exposes customer data, your general liability policy will not cover a dollar of it. Cyber liability is the policy written for that day — and we compare 12+ A-rated carriers to build it.
Two layers — your own costs, and claims from others. A well-built policy carries both.
Forensics, legal counsel, customer notification and credit monitoring, coordinated from the first hours.
Response, negotiation and payment where insurable and lawful.
Lost income and extra expense while systems are down.
Legal defence and settlements when customers or partners are affected.
Defence costs and penalties where insurable by law.
Losses from impersonation and redirected payments, where written in.
Attackers do not specialise by company size — they specialise by industry. Here is what the exposure looks like in yours.
Patient records, HIPAA obligations and ransomware aimed at practice management systems.
Client financial data, wire fraud exposure and regulatory liability — including law and accounting firms.
Third-party liability when your platform holds customer data, alongside technology E and O.
Card data, customer PII and revenue that stops when the storefront goes down.
Payment fraud, hijacked invoices and contract requirements arriving from general contractors.
Production systems, supply chain interruption and operational technology exposure.
If clients pay for your technical work, cyber liability and technology E&O are usually bought together — one responds when systems are attacked, the other when your work fails a client.
See technology E&O insuranceNo. Modern general liability forms explicitly exclude cyber events — that is precisely the gap this policy exists to fill.
If you hold customer data, take card payments or depend on your systems to trade, the exposure is real at any size — and small firms recover from incidents more slowly than large ones.
First-party pays your own costs — response, downtime, extortion. Third-party pays claims from others affected by your incident. Most policies combine both.
Cyber extortion cover responds to ransomware response, negotiation and payment where insurable and lawful. Wording varies sharply by carrier, which is a reason to compare rather than take the first quote.
MFA, tested backups and endpoint detection are the common baseline. Weak controls raise the price, and some carriers decline without them.
A licensed specialist reviews your request and walks you through real options. Transaction timing depends on the carrier, and the application is usually the step that takes longest, which our cyber practice helps you complete.
Prior known incidents, deliberate misconduct, general infrastructure outages, and increasingly war and state-sponsored acts — an exclusion area where wording varies sharply by carrier. We walk through the exclusions of every quote before you buy.
Carriers set the premium, not us — and every carrier prices the same business differently. That is exactly why we shop your risk to 12+ A-rated markets and bring back the strongest options, with a licensed agent walking you through what drives each number: revenue, records held, industry, security controls and the limits you choose. The quote is free, carries no obligation, and a licensed specialist reviews your request.
You get a response bench — forensics to contain it, breach counsel to run notifications and defend claims, and crisis communications — coordinated from the first call.
Start the guided cyber application and a licensed specialist reviews it before any market is approached.
