Cyber Liability
Data breach response, ransomware, business interruption, and liability from cyber events.
Built for the way you actually operate.
Any business that stores customer data, takes electronic payments, relies on email and cloud systems, or simply couldn't operate for a week without its network.
Real scenarios, in plain terms.
Ransomware locks your systems
Cyber policies commonly include incident response teams, forensics, and negotiation support — plus coverage for the income lost while systems are down.
Customer data is exposed
Breach response costs — notification, credit monitoring, legal counsel — are often the largest part of a data incident. Cyber coverage is built around them.
Funds transfer fraud
A spoofed email redirects a payment. Social engineering and funds transfer fraud coverage may apply, subject to the policy's terms and your verification procedures.
Considerations & limitations.
Every policy has terms, conditions, and exclusions. These are the points we walk through before you decide — availability and eligibility vary by carrier.
- Carriers increasingly require MFA, backups, and endpoint protection as conditions of coverage.
- Application accuracy matters — misstating your security controls can jeopardize a claim.
- Coverage for dependent business interruption (a vendor's outage) varies widely.
- We handle the insurance side; for hands-on security work we refer to Columbia Tech Group.
Frequently asked.
We're small — do we really need cyber insurance?
Small businesses are frequent targets precisely because controls are lighter. If you store customer information or depend on your systems to operate, it's worth a conversation.
What will carriers ask us to have in place?
Commonly: multi-factor authentication, regular backups, endpoint protection, and employee awareness practices. Requirements vary by carrier and limit.
Is cyber covered under my general liability?
Generally no — most GL policies exclude electronic data and cyber events. Cyber is a separate policy.
Ready to talk it through?
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.