★ Commercial · Cyber liability
One breach. Six figures. Before lunch.
A small-business data breach routinely costs well into six figures: forensics, notification letters, credit monitoring, lost income, and the lawsuit after. Cyber liability pays those costs and covers your liability when customer data is exposed. If you store customer information, you have cyber exposure.
Free quotes · No obligation · A licensed specialist answers, usually within one business day
★ What it covers
What’s covered and what isn’t.
Plain English, no fine-print games. Every policy has exclusions; here are the ones that actually matter for Cyber Liability.
What it covers
- Breach response costsForensics to find out what happened, legal guidance, customer notification, and credit monitoring. The first bills after a breach.
- Business interruptionLost income when ransomware or a system outage shuts you down.
- Ransomware and extortionExtortion payments and recovery costs, within policy terms and the law.
- Third-party liabilityLawsuits from customers or partners whose data was exposed in your breach.
- Regulatory fines and penaltiesDefense costs and many fines under privacy laws, where insurable by law.
- Social engineering fraudFunds-transfer fraud and phishing losses, usually as a sublimit, so read it.
What it doesn’t cover
- Bodily injury and property damageCyber is a financial-loss policy, not a casualty policy.
- Known unpatched vulnerabilitiesMisrepresenting your security on the application can void coverage. Answer the security questions honestly.
- Future profits beyond policy termsInterruption coverage has time and dollar caps. It bridges the outage, not the next five years.
- Acts of war and some nation-state attacksWar exclusions are actively litigated in cyber; ask what your specific policy says.
- Fines for willful non-compliancePenalties for knowingly breaking the law are not insurable.
All quotes are subject to carrier underwriting and final approval. Coverage availability, terms, and pricing vary by state and carrier. The lists above describe typical Cyber Liability policies, not any specific carrier’s form.
Six figures all-in is routine, which is why the premium looks small next to the exposure.
★ Who needs it
If this sounds like you, you need cyber.
The businesses that buy Cyber Liability most, and the one-line reason each one does.
Healthcare and medical practices
Patient data is regulated and valuable. Breach costs run highest here.
Financial services and insurance agencies
You hold Social Security numbers and bank accounts, and your clients' trust.
Retailers and restaurants
Every card transaction is exposure; PCI fines follow breaches.
Professional services
Law firms, accountants, consultants: you hold client confidences.
Any business with a customer database
If a spreadsheet of customer emails would hurt to lose, you have the exposure.
★ What it costs
What drives the price.
Carriers price Cyber Liability on exposure, not vibes. Here’s what moves your number, and what you can actually influence.
- Records count: How many customer records you hold. More records means more notification cost and more premium.
- Revenue: Bigger revenue usually means bigger interruption exposure.
- Security controls: MFA, backups, endpoint protection, and an incident response plan earn real credits. Some carriers will not quote without MFA.
- Industry: Healthcare and financial services rate highest; low-data trades rate lowest.
- Limits and sublimits: $1M is a common starting point; ransomware and social engineering often carry sublimits. Read them before you buy.
★ Often quoted together
Pairs well with Cyber Liability.
Most businesses don’t buy one policy in isolation. These are the lines cyber buyers usually quote at the same time. One specialist quotes the whole package.
Professional Liability
Covers negligence claims against your professional work. The policy expertise businesses can't skip.
Commercial Umbrella
Extra millions stacked over your GL, auto, and employers liability, for the catastrophic claim.
Directors & Officers
Protects directors' and officers' personal assets from lawsuits over management decisions.
★ Straight answers
Questions cyber buyers actually ask.
The short version of what our licensed specialists explain on calls every week.
I have antivirus and backups: do I still need cyber insurance?
Does cyber insurance cover ransomware payments?
What is the difference between first-party and third-party cyber coverage?
Will a carrier really ask about my MFA?
Does general liability cover data breaches?
How much does a small-business breach actually cost?
Get my quote
Get your Cyber Liability quote. Two minutes.
Tell us about the business. A licensed specialist shops the carriers and comes back with real options.
- About 2 minutes, built for Cyber Liability
- A licensed specialist follows up, usually within one business day
- No bait prices, no call centers, no selling your information
Free quotes. No obligation. Written through Patriot Independent Insurance Partners, licensed in TX, FL, GA, SC, AL, MS, NC, CA, and CO. Your information is never sold to lead brokers.