Commercial Insurance
Cyber Liability
Helps your business respond and recover when a data breach, hack, or other cyber incident hits, including the costs that follow.
What it is
Cyber liability helps your business respond and recover when a data breach, hack, or ransomware attack hits. It covers the costs that follow an incident, from notifying customers to restoring data to the legal fallout. Any business that takes card payments or stores customer information has real exposure, and that is nearly every business today.
What Cyber Liability covers
- Costs to respond to a data breach, such as notifying affected customers
- Recovery of compromised data and restoration of your systems
- Liability claims from customers or partners whose information was exposed
- Expenses tied to ransomware and certain cyber extortion events
- Business interruption losses when a cyberattack disrupts your operations
Industries we write cyber liability for
FAQ
Cyber Liability: common questions
We're small. Are we really a target?
Small businesses are targeted precisely because their defenses tend to be lighter. If you take card payments or store customer data, you have exposure.
What does cyber actually pay for?
Breach notification, data restoration, ransomware response, legal and liability costs, and lost income while you are down.
Doesn't my general liability cover a data breach?
Almost never. Cyber is its own policy, and it is increasingly required by vendors, banks, and contracts.
Independent advantage
We shop it. You decide.
We place cyber liability across many top markets, including a new appointment with The Hartford, so you get the right fit instead of one company's price.