Cyber insurance
Small businesses are the most common ransomware target because they are the least protected. Cyber coverage pays for breach response, extortion, lost income and the liability that follows.
What it covers
- Breach response: forensics, notification and credit monitoring
- Ransomware and extortion
- Business interruption from a cyber event
- Funds transfer fraud and social engineering
- Third-party liability and regulatory defense
Common add-ons
- Higher social engineering limits
- Contingent business interruption for vendor outages
- Media liability
Who it's for
Any business that takes card payments, stores customer data, invoices by email or depends on a software system to operate: medical offices, contractors, retailers and professional firms.
Common questions
We are small. Would anyone target us?
Attackers use automated tools that do not care how big you are. A compromised email account and one fake invoice is the most common claim small businesses see.
Does my general liability policy cover data breaches?
No. GL policies exclude most data and cyber losses, which is why cyber is a separate policy.
Related coverage
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