Insurance
Cyber Liability
Breach response, extortion, and the income you lose while everything is down.
Cyber losses are almost never one thing. A ransomware event gives you forensic costs, an extortion demand, days or weeks of lost trading, notification obligations in every state where an affected person lives, regulators taking an interest, and third-party claims on top.
Cover quality varies enormously on this line, and carriers now impose real security preconditions. Multi-factor authentication, backup regimes, endpoint controls. We place the cover and make sure you can honestly say you meet what the policy assumes, because breaching a warranty here voids the very thing you bought it for.
What you get
A response team
Forensics, legal and PR moving within hours, which is what keeps the loss small.
Cyber interruption
Income lost while systems are down. Often the single biggest number in the claim.
Extortion covered
Ransomware negotiation and payment, where it’s lawful to pay.
Warranties checked
We confirm you meet the security preconditions, so the policy responds.
Common questions
Smaller businesses get hit precisely because their controls are weaker, and most attacks are automated rather than aimed at anyone in particular. Being small reduces the ransom you’re asked for, not the odds of it happening.
Cyber Liability
Let's talk about cyber liability.
First and third-party cyber cover: breach response, notification, ransomware, lost income from a cyber event, and liability to everyone affected.