Protection for When Prevention Isn’t Enough
Even with strong cybersecurity in place, no business is completely immune to cyber threats. Cyber insurance provides a critical financial safety net—helping your business recover quickly and confidently if an incident occurs.
Our cyber insurance coverage is designed specifically for small and medium-sized businesses, delivering protection that works hand-in-hand with your broader risk management strategy.
First-Party Expense
Business Interruption
If a cyber incident forces your systems offline, this coverage helps replace lost income so your business can continue to operate smoothly. It can also cover extra costs to get things back up and running as quickly as possible.
Contingent Business Interruption
Sometimes the problem starts with a vendor or IT partner—not you. If their breach disrupts your business, this coverage helps make up for lost income and keeps you moving forward.
Digital Asset Destruction
When important data is damaged, deleted, or corrupted, rebuilding it isn’t easy—or cheap. This coverage helps cover the cost of restoring or recreating what was lost so you can get back to normal faster.
Reputational Income Loss
A cyber incident can shake customer confidence and impact your bottom line. This coverage helps offset lost revenue while your business works to rebuild trust.
Cyber Extortion
Ransomware attacks can put you in a tough spot fast. This coverage helps with ransom payments (where legally allowed) and gives you access to experts who know how to handle these situations.
Incident Response Expenses
When something happens, every minute counts. This coverage connects you with specialists—like forensic experts, attorneys, and PR pros—to help you respond quickly and effectively.
Loss of Funds
Cybercriminals don’t just target data—they go after your money, too. This coverage helps recover funds lost through fraud, phishing, or unauthorized transfers.
Third-Party Expense
Security and Privacy Liability
If a cyber incident affects your customers or partners, you could be held responsible. This coverage helps with legal costs, settlements, and claims tied to data security or privacy issues.
Regulatory Defense and Penalties
A data breach can quickly lead to regulatory scrutiny. This coverage helps cover the cost of legal defense and certain fines or penalties, where allowed by law.
Multimedia Liability
Your website and digital content can expose you to risks you might not expect. This coverage helps protect against claims like copyright infringement or defamation tied to your online presence.
Payment Card Industry (PCI) Fines & Expenses
Handling credit card data comes with strict requirements. If there’s a breach, this coverage helps cover fines, penalties, and the cost of getting back into compliance.
“Bricking”
Some cyberattacks can permanently damage hardware, rendering devices unusable (“bricked”). This coverage helps pay to repair or replace affected equipment so you’re not stuck footing the bill.
Be Prepared for the Unexpected
A cyber incident doesn’t have to define your business. With the right coverage in place, you can respond quickly, minimize disruption, and move forward with confidence.