Coverage & Products
Comprehensive Cyber Protection Built for Your Business
From data breaches to ransomware, we offer tailored cyber insurance policies that cover the full spectrum of digital threats facing small and mid-size businesses today.
One Breach Can End a Business. The Right Coverage Keeps You Standing.
Cyber insurance isn't just another line item — it's the financial safety net that activates when everything else fails. Our policies are designed to cover the real costs of a cyber incident: the forensic investigation, the legal fees, the regulatory fines, the lost revenue, and the long road to recovery. We work with top-rated carriers to find the right fit for your industry, size, and risk profile.
What's Covered
Eight Types of Protection
Data Breach Response
First-PartyWhen customer or employee data is exposed, the clock starts immediately. This coverage funds the full breach response — from forensic investigation to regulatory notification.
- Forensic investigation & root cause analysis
- Customer notification & credit monitoring
- Regulatory reporting & compliance costs
- Crisis communications support
- Call center setup for affected individuals
Ransomware & Extortion
First-PartyRansomware attacks can lock your entire operation in minutes. This coverage pays ransom demands, funds decryption, and covers the full recovery process.
- Ransom payment (where legally permitted)
- Decryption & system restoration costs
- Negotiation specialist fees
- Data recovery & backup restoration
- Post-attack security hardening
Business Interruption
First-PartyWhen a cyberattack forces your operations offline, revenue stops — but expenses don't. Business interruption coverage replaces lost income during the recovery period.
- Lost revenue during downtime
- Extra expenses to restore operations
- Dependent business interruption
- System failure coverage
- Coverage for cloud service outages
Cyber Liability
Third-PartyIf your breach affects customers, partners, or vendors, they may sue. Cyber liability coverage protects your business from third-party claims and regulatory actions.
- Defense costs & legal fees
- Settlements & judgments
- Regulatory fines & penalties
- PCI-DSS assessment costs
- Media liability for online content
Social Engineering & Fraud
First-PartyBusiness email compromise and wire fraud are among the fastest-growing cyber threats. This coverage protects against losses from deceptive schemes targeting your employees.
- Wire transfer fraud losses
- Business email compromise (BEC)
- Invoice manipulation schemes
- Phishing-induced fund transfers
- Vendor impersonation fraud
Network Security Liability
Third-PartyIf your network is used to attack others — through malware propagation or a compromised system — you can be held liable. This coverage protects against those claims.
- Transmission of malware to third parties
- Denial-of-service attack liability
- Unauthorized access to third-party systems
- Failure to prevent a network attack
- Contractual security obligation breaches
PR & Reputation Management
First-PartyA public breach can destroy years of brand trust overnight. This coverage funds professional crisis communications and reputation repair.
- PR firm & crisis communications fees
- Media monitoring & response
- Customer retention campaigns
- Brand rehabilitation costs
- Social media response management
Regulatory Defense & Fines
Third-PartyHIPAA, GDPR, CCPA, and state breach notification laws carry steep penalties. This coverage funds your regulatory defense and pays covered fines.
- HIPAA & HITECH fines
- State breach notification penalties
- GDPR & CCPA regulatory actions
- Attorney fees for regulatory defense
- Government investigation costs
Policy Options
Policy Options for Every Business Size
Whether you're a 5-person shop or a 500-person firm, we have a policy structure that fits.
Essential
1–25 employees
Core cyber protection for small businesses just getting started with cyber coverage.
- Data breach response
- Ransomware coverage
- Business interruption
- Cyber liability
- Up to $1M coverage limit
Professional
25–150 employees
Comprehensive coverage for growing businesses with more complex risk profiles.
- All Essential coverage
- Social engineering & fraud
- Network security liability
- PR & reputation management
- Up to $5M coverage limit
Enterprise
150+ employees
Full-spectrum cyber protection for established businesses with significant digital exposure.
- All Professional coverage
- Regulatory defense & fines
- Dependent business interruption
- Dedicated claims specialist
- Up to $25M coverage limit
FAQ
Common Questions About Cyber Coverage
Does my general liability policy cover cyber incidents?
No. Standard general liability and property policies explicitly exclude cyber events. Cyber insurance is a separate, specialized policy designed specifically for digital threats.
How quickly can I get covered?
Most small and mid-size businesses can get a quote in under 5 minutes and receive a policy same-day or within 24 hours. We work with carriers that prioritize fast, frictionless coverage.
What information do I need to apply?
Basic business information: industry, annual revenue, number of employees, and a few questions about your current security practices. No lengthy audits or technical assessments required for most SMBs.
Does cyber insurance cover human error?
Yes. Most policies cover incidents caused by employee mistakes — including accidentally sending sensitive data to the wrong person, falling for a phishing email, or misconfiguring a system.
What's not covered by cyber insurance?
Intentional acts, pre-existing breaches, and infrastructure improvements are typically excluded. We'll walk you through any exclusions clearly before you bind coverage.
Ready to Find Your Coverage?
Get a free, no-obligation quote in minutes. Our experts match you with the right policy at the best price.