Products
Cyber / Digital risk
Cyber Liability
Cyber liability is reviewed when a business stores data, accepts payments, uses cloud systems, relies on email, or needs help responding to privacy and security incidents.
Coverage
What it usually handles
- 01Data breach, ransomware, privacy, funds transfer, and incident response questions.
- 02Security controls such as MFA, backups, endpoint tools, and email protections.
- 03Vendor, payment, customer data, and employee data exposures.
Triggers
When it comes up
- 01You store customer, payment, employee, or health information.
- 02You rely on cloud tools, email, or online payments.
- 03A client contract requires cyber liability limits.
Quote file
Inputs carriers usually need
- 01Revenue, record counts, payment handling, and data types.
- 02MFA, backups, email controls, endpoint protection, and vendor access.
- 03Prior incidents, current cyber limits, and contractual requirements.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.