Cyber Liability Insurance
Cyber attacks don't just target big corporations. Protect your business from data breaches, ransomware, and digital threats with comprehensive cyber liability coverage.
Florida Cyber Liability Insurance at a Glance
- 46% of all cyber breaches target businesses with fewer than 1,000 employees
- Covers data breach response, ransomware payments, business interruption, and regulatory defense costs
- Standard general liability and BOP policies have little to no cyber coverage
- Most small businesses pay $500–2,000/year — affordable given a single incident averages $150,000+
of cyber attacks target small businesses
average cost of a data breach for small businesses
of small businesses close within 6 months of a cyber attack
year-over-year increase in ransomware attacks
What's Covered?
Cyber liability insurance provides comprehensive protection against digital threats and data breaches.
Data Breach Response
Covers the cost of notifying affected customers, credit monitoring, forensic investigation, and public relations after a data breach.
Ransomware & Cyber Extortion
Covers ransom payments, negotiation costs, and expenses related to restoring your systems after a ransomware attack.
Business Interruption
Reimburses lost income and extra expenses when a cyber attack shuts down your business operations.
Regulatory Defense & Fines
Covers legal defense and regulatory fines from data privacy violations — increasingly important with evolving privacy laws.
Third-Party Liability
Covers lawsuits from customers or partners whose data was compromised in a breach at your business.
System Restoration
Pays for the cost of restoring, recreating, or replacing data and systems damaged by a cyber event.
Who Needs Cyber Liability Insurance?
Cyber plus board and employment risk
Cyber is often part of a bigger management-liability stack
Private companies, nonprofits, schools, and associations often need cyber reviewed next to D&O, EPLI, fiduciary, and crime coverage. That matters when ransomware, privacy claims, or funds-transfer fraud overlap with leadership decisions and vendor controls.
Frequently Asked Questions
Don't Let a Cyber Attack Shut You Down
A breach review is easier before the incident, the vendor dispute, or the board meeting. We can review cyber by itself or line it up with management liability when the account carries broader leadership exposure.