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What is Cyber Liability Insurance, in plain English?
Cyber liability insurance helps your business survive a bad day on the internet.
If a hacker breaks in, a fake invoice goes out, or customer data is exposed, cyber insurance helps cover the real-world costs: investigation, recovery, legal requirements, and lost income while you're offline.
Instead of hoping nothing happens, cyber insurance is there to:
- Pay for expert help when something goes wrong
- Limit the financial damage from a cyberattack or mistake
- Keep your operations running while systems are being rebuilt
It doesn't replace good security practices—but it does give you a safety net when those defenses are tested.
What Cyber Insurance typically covers
Every policy is different, but most modern cyber policies are built around a few core ideas:
1. Incident response & forensics
When something looks wrong, you need answers quickly.
- Cybersecurity forensics to figure out what happened
- IT experts to contain the attack and stop the damage
- Legal guidance on what you're required to do next
2. Notification, credit monitoring & PR
If customer or employee data is involved, there are rules to follow.
- Notifying affected customers and regulators (when required)
- Call centers and credit monitoring services
- PR and crisis communications support to protect your reputation
3. Data restoration & system recovery
Getting you back to normal operations.
- Restoring corrupted or encrypted data from backups
- Rebuilding or reconfiguring affected systems
- Extra IT costs directly related to the incident
4. Business interruption
When systems go down, revenue often goes with them.
- Lost net income while your systems are offline
- Extra expenses to keep serving customers in the meantime
- Coverage for outages caused by certain third-party providers
5. Cybercrime & extortion
Attacks don't always look like "hacking into a server."
- Ransomware and extortion payments (subject to legal restrictions)
- Certain types of funds transfer fraud or social engineering
- Invoice manipulation or business email compromise
6. Third-party liability
When someone else holds you responsible.
- Lawsuits from customers, vendors, or partners
- Claims that you failed to protect data or caused a business interruption
- Defense costs, settlements, and judgments (up to the limits of the policy)
We'll walk you through what is and isn't covered in your specific policy before you buy.
What Cyber Insurance usually doesn't cover
Policies are not all the same, but there are some common limits and exclusions. Cyber insurance is designed to handle sudden, accidental events—not ongoing issues or anything done on purpose.
Known, unresolved problems
Incidents that stem from vulnerabilities you already knew about but chose not to address, especially if the policy required certain controls.
Pure hardware wear and tear
Normal hardware failure or aging devices that simply stop working.
Intentional or fraudulent acts by owners
Anything illegal or intentionally harmful done by the business owners themselves.
Contractual promises beyond normal risk
Guarantees or warranties that go far beyond what a typical cyber policy is meant to cover.
Fines or penalties that can't legally be insured
In some jurisdictions, certain regulatory fines simply cannot be insured.
We'll review any key exclusions with you in normal language, not just legalese, so you understand where cyber insurance starts and ends.
Real-world scenarios Cyber Insurance can help with
See how cyber insurance protects businesses like yours in actual incidents.
Ransomware locks your systems
Your team comes in on Monday and can't access your CRM, billing system, or client files. A ransomware note appears demanding payment in crypto.
Cyber insurance can help pay for:
- Forensics and IT containment
- Data recovery and system rebuilds
- Negotiation and, if allowed, portions of a ransom payment
- Lost income while you're offline
A fake invoice drains your account
A hacker gets into a shared email inbox and changes banking details on an outgoing invoice. A client pays a large amount to the wrong account.
Depending on the policy, cyber coverage can:
- Help investigate how the fraud happened
- Cover certain types of funds transfer loss or social engineering
- Provide guidance to tighten up approvals and internal controls
Lost laptop with customer data
An employee leaves a laptop in a rideshare. The laptop held spreadsheets with customer data that wasn't properly encrypted.
Cyber insurance can:
- Pay for legal guidance on notification requirements
- Cover the cost of notifying affected customers
- Provide credit monitoring and identity protection services
- Help with PR and reputation management
Vendor outage hits your revenue
A key cloud service or payment processor goes down due to a cyber incident on their side, and you can't process orders for a day.
Some cyber policies include:
- Business interruption coverage for specific third-party outages
- Coverage for lost net income and extra expenses caused by the outage
Why we start with a free vulnerability scan
Insurers don't just look at what you do—they look at how well you protect it.
Our free vulnerability scan gives you:
- A quick snapshot of your external security posture
- A prioritized list of issues to fix
- Clear recommendations that your IT team (or vendor) can act on
Fixing high-risk items before we go to market does two important things:
Reduces the chances of a claim
Good for your business
Makes you more attractive to carriers
Which can lead to better terms and pricing
Think of it as doing a health check before you shop for coverage. The scan helps you tighten defenses first, then we help you find the right policy at a fair price.
You can run the scan for free even if you're not ready to buy a policy yet.
How our Cyber Insurance process works
Simple, transparent, and designed to get you the right coverage.
Run the free scan
Use the scanner in the hero section to get a quick, non-intrusive assessment of your external security posture.
Review & fix what makes sense
We'll walk you through the results so you can decide which changes to make now and which to plan for later.
We go to market for quotes
Once your basics are in good shape, we use our carrier partners and APIs to collect quotes that match your actual risk profile.
You choose your coverage with guidance
We'll explain the options in plain English—limits, deductibles, key exclusions—so you can pick the mix of coverage that makes sense.
Ongoing support
Need to update limits, answer vendor questions, or respond to an incident? We're here for renewals, certificates, and claims.
Is Cyber Insurance worth it for your business?
You don't have to be a tech company to have cyber risk. Cyber insurance is increasingly important if:
If any of that sounds like you, cyber insurance is no longer a "nice to have"—it's part of basic business hygiene, like locks on the doors and backups of your data.
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