Illustrated plaza with a glass office building on one side, a cafe with a striped awning on the other, and a bike locked to a rack with a purple padlock

Cyber insurance

a hack shouldn’t sink your business.

Ransomware, data breaches and the email that looks just like your vendor’s. We find the right cyber policy and stay with you when something goes wrong.

get started

MARKETS WE PLACE THROUGH

hackers get in. you get back up.

Ransomware, leaks and downtime. Tap around the office to see what’s covered, and what isn’t.

Illustrated office with a server rack, a laptop showing an email, a monitor with a purple padlock, an open filing cabinet drawer, a checkout counter with a card reader, a wifi router and a printer

covered

Ransomware locks your files

Experts to get you unlocked and running.

covered

Someone clicks a bad link

Forensics, cleanup and legal help.

covered

Customer data leaks

Notices, credit monitoring and lawsuits.

usually covered

Your systems go down

Lost income while you’re offline.

covered

Ransomware locks your files

Experts to get you unlocked and running.

Examples. Your policy sets the details.

hacked?
make one call.

We get the carrier’s breach team on it, then follow the claim until it’s closed.

1. Call us right away
Don’t pay anything. Tell us what you’re seeing.
2. The experts step in
The carrier’s breach team contains it and restores your systems.
3. We push it through
Recovery costs, notices and lost income, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Dental

your options

$1,650a year, $1M limit

3 options, same coverage

Option A$1,650

Option B$1,900

Option C$2,300

Dental officeAustin, TX$2.5M revenueNo claims

compare your options

same
coverage,
best price

get started Already insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

1. Send your policy
Your current policy is enough. No forms.
2. We compare
Coverage, service and price, side by side with today’s options.
3. You choose
Stay or switch. If you switch, we handle the paperwork.

get started

Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about cyber insurance.

Do small businesses really need cyber insurance?

Usually, yes. Small businesses are frequent targets because they often have fewer defenses. A single ransomware attack or data breach can mean recovery costs, customer notices, lost income and lawsuits. Cyber insurance helps pay for those costs and connects you with experts who handle the response.

What does cyber insurance cover?

Cyber insurance typically covers data breach response, ransomware recovery, forensic investigation, customer notification, credit monitoring, lost income from downtime and lawsuits from affected customers. Many policies also offer funds transfer fraud coverage, sometimes with lower limits. Coverage varies a lot by carrier, so the details matter.

Does cyber insurance cover ransomware payments?

Many policies can cover ransom payments where legally allowed, along with the cost of experts who negotiate and restore systems. Some carriers limit or exclude ransom coverage, and payments can be restricted by sanctions laws. Always call your carrier before paying anything.

Is cyber covered by my general liability policy?

Usually not. Most general liability policies exclude data breaches and cyber attacks. Some business owner’s policies include a small cyber endorsement, but limits are often low. A standalone cyber policy typically offers broader coverage and higher limits.

How much does cyber insurance cost?

Cyber insurance pricing depends on your industry, revenue, limit, the data you hold and your security controls. Multi-factor authentication and good backups usually help lower the price.

Insurance words, in plain English: occurrence vs claims-made · tail coverage · errors and omissions