Comprehensive Cyber Liability Insurance for Modern Businesses

A single data breach, ransomware infection, or social engineering scheme can halt operations, expose confidential data, and generate hundreds of thousands of dollars in emergency response costs.

Most commercial general liability policies explicitly exclude electronic data breaches and network disruptions. Standard CGL forms carry electronic data exclusions and access-or-disclosure exclusions that were written specifically to push this exposure out of the policy. Businesses that assume their general liability responds to a cyber event are frequently wrong, and they find out at the worst moment.

Cyber coverage addresses a distinct set of threats:

Ransomware and extortion. Extortion demands, data restoration costs, and system recovery following an attack.

Phishing and business email compromise. Wire fraud and social engineering schemes designed to manipulate staff into unauthorized transfers. This is now one of the most common losses we see, and it does not require any technical breach at all — just a convincing email.

Data theft and privacy breaches. Defense and notification costs when customer records, employee personally identifiable information, or confidential corporate data are stolen.

Business interruption. Lost operating income and continuing payroll during extended network downtime caused by a cyber event.