Coverage guide
Cyber insurance
Cyber insurance addresses losses that most property and liability policies exclude or limit: responding to a data breach, restoring systems after ransomware, and claims from people whose information was exposed. Policies vary widely, and many ask about security controls such as multi-factor authentication and backups when you apply.
What cyber commonly covers
Who usually carries it
- Businesses that store customer, employee, or payment information
- Businesses that rely on email, online banking, or cloud software to operate
- Businesses whose clients or vendors require it
Commonly covered
- Breach response: forensics, notification, and credit monitoring
- Data restoration and business interruption from a cyber event
- Ransomware response, where covered
- Liability to others for exposed data, and some regulatory proceedings
- Funds-transfer or social-engineering fraud, often with a lower sublimit
Commonly excluded or limited
- Losses when required security controls were not in place, in some policies
- Social-engineering fraud above a sublimit, or not at all unless added
- Upgrades to systems beyond restoring them
- Prior known incidents
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.
Before your renewal or your next contract
What to check on your own policy
- Sublimits for social engineering, ransomware, and funds-transfer fraud
- Security controls the application and policy say you have
- Whether breach response services require using the insurer's vendors
- Business interruption waiting period
- Whether the policy is claims-made, and its retroactive date
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