Cyber Liability Insurance
Coverage for the financial fallout of a data breach, ransomware attack, or cyber event. It pays your own response costs and the claims customers bring against you. We quote it against your actual exposure.
We shop the market for you, no broker fees
Coalition
Cyber risk and response
Cowbell
Cyber insurance
Chubb
Cyber enterprise risk
Travelers
Cyber liability
Hiscox
Small business cyber
Markel
Cyber and technology risks
Philadelphia Insurance Companies
Cyber security liability
Great American
Cyber risk insurance
Built for data-handling businesses
- Shops and offices that take card payments
- Firms storing customer or patient records
- Businesses a client contract requires it from
- Any company that runs on its systems daily
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Your class of business and what you actually do day to day
- Annual revenue, and payroll where the line rates on it
- How many people work for you, including subcontractors
- Where you operate, down to the ZIP and the building
- The limits and deductible you choose
- Your claims history over the last three to five years
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Text us. We're by your side.
What this policy covers
Data breach response
First-party costs after a breach: forensics, legal review, customer notification, and credit monitoring.
Ransomware and cyber extortion
Costs tied to a ransom demand and restoring locked systems, subject to policy terms and any sublimit.
Business interruption
Lost income and extra expense while a covered cyber event takes your systems down.
Third-party liability
Claims from customers or partners whose data was exposed, plus related defense costs.
Frequently asked questions
What is cyber liability insurance?
It covers the financial fallout of a data breach, ransomware attack, or other cyber event. That includes first-party costs to your own business, like breach response and system restoration, and third-party costs, like claims from customers whose data was exposed.
How much does cyber liability insurance cost?
Cost reflects your revenue, industry, the sensitivity and volume of the data you hold, and the security controls you have in place. Businesses that store payment or health data, or that lack basic safeguards, tend to pay more. We quote it against your actual operation rather than a flat rate.
What does cyber insurance cover?
Typically breach response and notification, ransomware and cyber extortion, business interruption from a covered event, data restoration, and third-party liability with defense costs. Coverage grants and sublimits vary by carrier, so the policy language matters.
Does my small business need cyber insurance?
Small businesses are frequent targets precisely because their defenses are often lighter. If you store customer data, take payments, or depend on systems to operate, a single incident can be costly. Many client contracts and vendors now require it as well.
What is the difference between first-party and third-party cyber coverage?
First-party coverage pays your own costs after an incident, such as forensics, notification, and lost income. Third-party coverage responds to claims others bring against you over a breach, including their damages and your defense. Most cyber policies combine both.
Is cyber insurance the same as data breach insurance?
Data breach coverage is one part of a broader cyber policy. Standalone breach coverage focuses on notification and response, while a full cyber policy adds ransomware, business interruption, and third-party liability. We match the breadth to your exposure.
Does this policy cover property damage and bodily injury?
Physical loss and injury are handled by property and general liability, not cyber.
Does this policy cover loss of future revenue or reputation?
Long-term brand harm beyond covered interruption is generally not insurable.
Does this policy cover failure to maintain basic security?
Some policies limit coverage if required safeguards, like multifactor authentication, were not in place.
Does this policy cover funds you willingly transferred without a policy grant?
Social engineering and wire fraud need a specific coverage grant, which not every policy includes by default.
Get a cyber liability quote for your business
Tell us your industry, revenue, and the data you handle. We compare carriers and confirm the grants and limits fit your exposure.