Coverage · 06
Cyber & Privacy. Modern operating risk.
Cyber is no longer a tech-company concern. Email compromise, ransomware, and privacy regulations apply to every business that takes payments, holds customer data, or has employees with inboxes.
What it is
Cyber insurance covers first-party costs (breach response, ransomware payments, business interruption, data restoration) and third-party liability (privacy claims, regulatory fines, and customer notification obligations). It is the single fastest-evolving line in commercial insurance — yesterday's form rarely covers today's threat.
What it covers
Breach response
Forensics, legal, notification, credit monitoring, and PR for a confirmed breach.
Ransomware & extortion
Ransom negotiation, payment (where legal), and recovery support.
Business interruption
Lost income while systems are offline due to a covered cyber event.
Regulatory & privacy
Defense and fines from privacy regulators, plus third-party lawsuits.
Common gaps we catch
- Social engineering / funds transfer fraud written with sublimits as low as $50K
- Ransomware coverage capped well below typical demand range
- No coverage for systems hosted in third-party cloud (SaaS contingent BI)
- Missing or weak war / nation-state exclusion language
- Inadequate retroactive date excluding prior network compromise
Explore other lines
Start here
Find out where you're exposed.
Take the 4-minute assessment. An advisor reviews every result personally — no quote engine, no sales call queue.
Begin my Business Risk Score→