Cyber Liability Insurance

Your other policies have
a cyberattack exclusion.
Cyber liability fills the gap.

Ransomware, data breaches, and phishing attacks hit small businesses harder than corporations — and your BOP, GL, and property policies explicitly exclude them. Cyber liability is the policy that modern businesses can't afford to skip.

✓ Ransomware Coverage✓ Data Breach Response✓ Privacy Liability✓ Business Interruption
Carriers We Work With
HiscoxChubbTravelersCoalitionAt-Bay+ 15 more
✦ Free & No Obligation

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Why It Matters
Small businesses are the
#1 target for cyberattacks.
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60% of Small Businesses Close Within 6 Months of a Cyberattack

The average data breach costs a small business $200,000+ in notification, legal, remediation, and lost revenue costs. No other business risk has grown faster in the last decade — and most businesses are dramatically underinsured.

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$200K
Average cost of a data breach for a small business
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Your Other Policies Don't Cover This

GL, BOP, and commercial property policies explicitly exclude cyber incidents. Without a standalone cyber policy, a ransomware attack or data breach can wipe out your entire business — uncovered.

43%
Of all cyberattacks target small businesses — not just corporations
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What's Covered
Every detail of your
coverage, explained.
🦠
Ransomware & Malware
Covers ransom payments, forensic investigation, data recovery, and business income loss when ransomware encrypts your systems and demands payment.
Core Coverage
  • Ransom payment (if approved)
  • Forensic investigation costs
  • Data restoration
  • Business interruption losses
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Data Breach Response
Covers the full cost of responding to a breach — legal fees, notification to affected customers, credit monitoring services, and regulatory fines.
Core Coverage
  • Customer notification costs
  • Credit monitoring services
  • Legal & regulatory fees
  • PR crisis management
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Privacy Liability
Covers lawsuits and regulatory actions from customers, employees, or regulators claiming you failed to protect their personal data under CCPA, HIPAA, or other privacy laws.
Core Coverage
  • CCPA violation defense
  • HIPAA regulatory fines
  • Customer privacy lawsuits
  • Employee data claims
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Business Interruption
Replaces lost income when a cyberattack forces your business to shut down — including the period needed to fully restore systems and resume normal operations.
Included
  • Lost revenue during downtime
  • Extra expenses to recover
  • System restoration costs
  • Contingent business interruption
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Social Engineering & Fraud
Covers financial losses when an employee is tricked into transferring funds or revealing credentials through phishing, business email compromise (BEC), or other social engineering attacks.
Important Add-On
  • Wire transfer fraud
  • Business email compromise
  • Phishing-related losses
  • Vendor impersonation
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Cyber Extortion
Beyond ransomware — covers threats to expose sensitive data, attack your website, or damage your reputation unless you pay. Extortion attacks are growing rapidly against small businesses.
Emerging Risk
  • Data exposure threats
  • Website attack threats
  • Reputation extortion
  • Negotiation services
Client Reviews
Businesses protected
by CoverGuard.
Saved $3,200/year on coverage
★★★★★
"We'd been with our previous insurer for 6 years. CoverGuard found us better coverage and saved our business over $3,000 a year. The agent also identified a coverage gap we didn't even know about."
TM
Tom M.
Owner · Martinez Roofing Co.
★★★★★
"CoverGuard got us covered same day. Fast, clear, and the agent explained every option without pressure. Exactly what a small business needs."
SP
Sarah P.
Small Business Owner · Whittier, CA
★★★★★
"One policy review per year and everything is handled. Couldn't be easier — they actually look out for our business."
RC
Rosa C.
Restaurant Owner · 3 Locations
FAQ
Questions answered.
Does my BOP or GL policy cover cyberattacks? +
No. Standard BOP and GL policies contain explicit cyber exclusions. A cyberattack, ransomware infection, or data breach is not covered by any standard business property or liability policy. Standalone cyber insurance is required.
My business is small — am I really a target? +
Yes. 43% of all cyberattacks specifically target small businesses, primarily because they have less security than enterprises. Criminals use automated tools that scan for vulnerabilities at scale — your size doesn't protect you.
What triggers a cyber insurance claim? +
A ransomware attack locking your systems, a data breach exposing customer information, an employee wiring funds after a phishing email, a DDoS attack shutting down your website, or a notification that your data was found on the dark web.
How much does cyber insurance cost? +
For most small businesses, standalone cyber policies start around $500–$1,500/year. The cost depends on your industry, revenue, number of records held, and existing security practices. Healthcare and financial services tend to pay more.
What does cyber insurance NOT cover? +
Intentional acts, pre-existing breaches, and in some cases, nation-state attacks. It also typically won't cover the cost of upgrading your security after a breach (though it will cover restoration). Read your policy carefully — we'll explain every exclusion.
Can I add cyber to my BOP instead of buying a separate policy? +
Many carriers now offer cyber endorsements as BOP add-ons, which can be cost-effective for low-risk businesses. However, the limits and coverage breadth are often much lower than a standalone policy. We'll compare both options for you.
Other Business Coverage
Complete protection
for your business.
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General Liability
Foundation coverage for third-party injury, property damage, and advertising claims.
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Business Owner Policy
GL + commercial property bundled into one cost-effective policy.
👷
Workers Compensation
Required in California for any business with employees.
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Professional Liability
E&O coverage for service-based businesses against negligence claims.
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Commercial Auto
Coverage for vehicles used in your business — personal policies won't cover them.
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Cyber Liability
Data breach, ransomware, and cyber incident coverage for modern businesses.

Don't let one cyberattack end your business.

Free cyber coverage comparison. No obligation. Modern protection for modern businesses.

Get My Free Quote →📞 (562) 758-1200
🔐 Get My Cyber Quote