Business Insurance › Cyber Liability Insurance
Cyber Liability Insurance
A cyber event can disrupt operations and create costs beyond replacing a computer. Coverage varies substantially, so the policy should be discussed alongside the business's security practices and data responsibilities.
What to discuss
- Systems and information you rely on
- access controls and backups
- incident response
- interruption
- notification duties
- third-party claims
- exclusions, waiting periods, and vendor requirements
Questions to bring
- What would stop if our systems were unavailable?
- Whose information do we hold?
- Who would coordinate a response?
Reading the details
Before choosing a policy, confirm the business's legal name, covered operations, locations, property or vehicles, limits, deductibles, exclusions, contract requirements, and effective date. Ask how changes in the business should be reported. A certificate of insurance does not change policy terms.
The right policy depends on the business's facts and the terms an insurer offers. We can listen, explain the choices and limits, and help you decide what further information is needed for a proposal.
Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.