Is ransomware covered under cyber liability insurance?

Many policies can cover ransomware response costs, including negotiation and recovery, subject to policy terms and conditions. Unknown block type "ctaBar", specify a component for it in the `components.types` option

What types of data can trigger cyber claims?

Personally identifiable information, payment data, and protected health information commonly trigger cyber claims. Unknown block type "ctaBar", specify a component for it in the `components.types` option

What is first-party vs. third-party cyber coverage?

First-party coverage addresses your direct losses, while third-party coverage responds to claims from other parties affected by a breach. Unknown block type "ctaBar", specify a component for it in the `components.types` option

Are cloud-based breaches covered?

Coverage may apply even when data stored in the cloud is breached, though responsibility and coverage depend on policy terms. Unknown block type "ctaBar", specify a component for it in the `components.types` option

Business Insurance for Cyber Risk

Cyber insurance

Cyber insurance, also known as cybersecurity insurance, can help businesses address claims arising from data breaches, cyber-attacks, and digital incidents that could disrupt their operations.

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Introduction

What is cyber insurance?

Cyber insurance can help cover certain costs related to technology incidents such as data breaches, cyber attacks, and system disruptions. Coverage can include costs like breach notifications, credit monitoring, legal defense, regulatory fines, ransomware response, and business interruption.

There are two major types of cyber insurance::

Data breach insurance, which covers first party losses your business experiences.
Cyber liability insurance, which covers third-party claims brought by customers, clients, or regulators affected by a cyber incident.

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The Coverage

What can cyber insurance cover?

Data Breach Response Expenses

Can help cover expenses related to breach investigation, notification, credit monitoring, and public communication following a covered data breach.

Ransomware and Cyber Extortion

Can help cover costs related to ransomware attacks, including negotiation, ransom payments where permitted, and system recovery.

Legal Defense and Settlements

Can help cover attorney fees, settlements, and judgments tied to third-party claims arising from a covered cyber incident.

Regulatory Fines and Penalties

Can help cover certain fines and penalties resulting from regulatory investigations following a data breach, subject to policy terms and where insurable and permitted by law.

Business Interruption

Can help cover certain lost income and cover ongoing expenses when operations are disrupted due to a covered cyber event.

Data Recovery and Restoration

Can help cover costs to restore, recreate, or recover damaged or corrupted data and systems.

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Top Industries

Who can benefit from cyber insurance?

Cyber insurance can be helpful for businesses that store, process, or transmit sensitive data.

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Retail Businesses

Client data breaches

Healthcare Businesses

Patient data breaches

Service Professionals

Ransomware & extortion

Schools & Nurseries

Student data breaches

Food & Beverage Businesses

Customer data breaches

Fitness & Wellness Businesses

Customer data breaches

Additional Coverage

Other types of coverage
you might need

While cyber insurance can help address digital and data-related risks, it typically does not cover many of the physical and operational risks handled by other insurance policies.

Business Owners Policy (BOP)

Bundled coverage for
small businesses

A business owners policy can help cover property damage and third-party liability claims that unrelated to cyber incidents.

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Common Questions

Cyber insurance FAQ’s

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about cyber insurance.

Often, yes. Cyber incidents can affect businesses of any size, and some small businesses may lack the resources to absorb data breach-related costs without insurance.

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