Managing Ransomware and District-Wide Shutdowns
Ransomware attacks against schools rarely affect a single workstation. Attackers typically move laterally through the network before deploying encryption, locking down student information systems, email, grading platforms, and building access controls simultaneously. The operational disruption is immediate and total.
The start of the 2025 academic year was marked by a wave of cyberattacks that forced multiple districts into emergency response mode. Business interruption coverage in a cyber policy can respond to these events, but only if the waiting period and coverage trigger are properly structured. A 12-hour waiting period may be reasonable for a corporation; for a school district that must open its doors every morning, even a few hours of downtime creates cascading problems. The policy form matters here: the difference between "system failure" and "security event" as a trigger can determine whether the claim is paid.
A single spoofed email cost a Texas general contractor $1.2 million in 2024. The funds, earmarked for a concrete subcontractor's second draw, landed in a fraudulent account overseas. The contractor's general liability policy did not respond. Neither did the builder's risk form. The money was gone.
Construction firms handle large, frequent payments across dozens of parties, often coordinated by email and managed through cloud-based project platforms. That combination of high-dollar transactions and fragmented digital communication makes the industry uniquely exposed to cyber threats. Understanding how cyber insurance applies to contractors and builders, from wire fraud and data breaches to smart building vulnerabilities and subcontractor payment diversion, is no longer optional. It is a cost-of-doing-business conversation that belongs in every pre-construction meeting and every annual insurance review.
The average cost of a data breach in the industrial and construction sector reached $5.56 million in 2024, a figure that continues to climb. For mid-sized contractors running $10 million to $200 million in annual revenue, a single incident can threaten solvency. This guide breaks down the specific cyber risks construction firms face, the coverage gaps hiding in standard policies, and how to structure policy limits that actually match your exposure.
Why Construction Firms are Prime Targets for Cybercrime
Construction sits at an uncomfortable intersection: high transaction volumes, thin margins, and IT infrastructure that rarely receives the same attention as equipment maintenance. A typical commercial project involves dozens of subcontractors, consultants, and vendors, each with their own email domains, accounting systems, and security postures. Threat actors know this. They target construction firms not because of sophisticated data assets, but because the money moves fast and verification steps are often informal.
The High Value of Project Data and Blueprints
Bid documents, architectural plans, structural engineering calculations, and owner financial information all pass through contractor servers and cloud platforms daily. Government and military projects add classified or controlled unclassified information to the mix. A breach of this data triggers notification obligations under state law and can expose the contractor to regulatory defense costs, third-party liability, and reputational damage that lingers long after the project closes out.
Proprietary estimating data and cost databases also carry real competitive value. A competitor or foreign entity gaining access to your pricing models can undercut you on every bid for months before you realize the data leaked.
Vulnerabilities in the Subcontractor Supply Chain
Your cybersecurity is only as strong as your weakest subcontractor's email server. Attackers frequently compromise subcontractor accounts to intercept payment instructions, change banking details on invoices, or redirect draw request payments. The subcontractor may not even know their email has been compromised for weeks.
Most general contractors do not audit their subcontractors' cybersecurity controls. There is no industry-standard cyber pre-qualification form equivalent to the safety questionnaires used on every job. That gap creates a supply chain vulnerability that a standalone cyber policy can address on the coverage side, even when you cannot control the risk on the prevention side.
By: Caden Braly
Founder of Bloc Cyber Insurance
INDEX
Bloc Cyber and Its Licensed Producers Are Authorized to Place Cyber Coverage in All 50 U.S. States and The District of Columbia.
Cyber liability insurance covers the financial losses your business faces after a cyberattack or data breach. This page explains what the coverage includes, who needs it, what it costs, and how Bloc Cyber helps you get protected fast.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
Common Cyber Threats: From Draw Requests to Smart Buildings
Construction cyber risk is not a single exposure. It is a cluster of distinct attack vectors, each requiring specific coverage grants in the policy form.
Wire Fraud and Draw Request Payment Diversion
This is the most frequent and financially damaging cyber event in construction. The attack pattern is consistent: a threat actor compromises an email account belonging to a subcontractor, supplier, or even a project owner's representative. They monitor email traffic, learn the payment cadence, and then send a convincing message with updated wire instructions. The contractor pays the fraudulent account. Contractors operating as high-value targets face these attacks with increasing frequency, particularly on projects with monthly draws exceeding $500,000.
A standard cyber policy's computer fraud insuring agreement may or may not respond to this scenario. Many forms exclude "voluntary parting" of funds, meaning the insured willingly initiated the wire. Social engineering endorsements exist to fill this gap, but they often carry sublimits of $100,000 to $250,000, far below the typical draw amount. You need to read the endorsement language before binding.
Ransomware and Project Management Software Breaches
Ransomware attacks against construction firms tripled between 2022 and 2025. Attackers encrypt project management platforms, accounting systems, and file servers, then demand payment in cryptocurrency. The direct ransom cost is often the smaller problem. The real damage comes from project delays, inability to process payroll, and loss of schedule data that cannot be reconstructed.
Initial access through supply chain and IoT vectors has become a primary entry point for attackers targeting construction networks. A cyber policy's business interruption coverage can respond to lost income during the restoration period, but the waiting period (often 8 to 12 hours) and the definition of "restoration" vary dramatically between forms.
Building Management Systems (BMS) and IoT Exposure
Smart buildings introduce a category of risk that did not exist a decade ago. HVAC controls, access systems, elevator monitoring, fire suppression integration, and energy management platforms all connect to networks. A compromised BMS can create physical property damage, life safety hazards, and massive liability exposure.
IoT devices in construction, including site cameras, environmental sensors, and equipment telematics, present expanding attack surfaces that most contractors have not inventoried. A cyber policy may cover the data breach component, but physical damage resulting from a cyber event often falls into a gap between the cyber form and the property form. This is exactly the kind of coverage boundary that requires form-level review before a claim occurs.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
The distinction is not academic. A retailer relying on a BOP endorsement labeled "data breach" may find it provides only $50,000 in notification expense coverage with no provision for PCI assessments, forensic fees, or regulatory defense. That is not cyber insurance; it is a marketing feature.
Some regulatory proceedings involve parallel tracks: the regulator's formal action and an internal investigation your company runs simultaneously. Shadow defense counsel represents your company's interests during the regulatory process without formally appearing before the agency. Monitoring counsel may be appointed under a consent order to oversee your compliance.
The costs for these roles can be substantial. Certain policy forms cover shadow counsel fees as part of the defense cost grant, while others exclude them entirely. Court-appointed monitors in state enforcement actions have generated significant fees that strain organizational budgets, and whether your policy responds to those costs depends on how the form defines "defense costs" and "regulatory proceeding."
Shadow Defense and Monitoring Counsel Roles
Litigation Buyout: Ringfencing Known Legal Disputes
When a target company has pending or threatened litigation, the buyer faces a binary problem: either reduce the purchase price to account for the worst-case outcome or find a way to transfer the risk. A litigation buyout policy does the latter. The insurer assumes the financial exposure of the identified lawsuit in exchange for a one-time premium. Capital commitments in the litigation finance sector rebounded 23% after a two-year contraction, which has expanded insurer appetite for these placements.
Cyber Insurance vs. General Liability: Identifying the Gaps
Most contractors assume their existing insurance program provides some cyber protection. That assumption is almost always wrong. General liability policies contain broad electronic data exclusions. Builder's risk forms exclude loss caused by software or electronic malfunction. Crime policies may cover employee dishonesty but exclude social engineering losses unless specifically endorsed.
The gap is not theoretical. Real claims get denied every year because the contractor's broker never placed a standalone cyber form, or placed one without reading the exclusions. Firms like Bloc Cyber exist specifically to review the insuring agreements, sublimits, and retentions at the form level, ensuring the coverage grant actually matches the exposure before binding.
Comparison Table: Standard GL vs. Standalone Cyber Policies
| Coverage Scenario | Standard GL Policy | Standalone Cyber Policy |
|---|---|---|
| Wire fraud / payment diversion | Not covered | Covered (with social engineering endorsement) |
| Ransomware demand payment | Not covered | Covered (subject to sublimit) |
| Project data breach notification costs | Not covered | Covered (first-party) |
| Third-party liability from data breach | Excluded by electronic data exclusion | Covered (third-party insuring agreement) |
| Business interruption from cyber event | Not covered | Covered (subject to waiting period) |
| BMS / IoT compromise causing property damage | Possibly excluded | May be excluded; requires manuscript endorsement |
| Regulatory defense and fines | Not covered | Covered (where insurable by law) |
| Forensic investigation costs | Not covered | Covered (first-party) |
This table illustrates why a standalone cyber policy is not a luxury for contractors. It fills coverage gaps that no other policy in your program addresses.
Real claims illustrate the exposure more clearly than abstract descriptions. Here are patterns that repeat across the technology sector:
- A SaaS company deploys a billing module that overcharges 12,000 end users over six months. The client demands $410,000 in restitution costs plus $150,000 in legal fees. The tech E&O form responds to the defense and indemnity obligation.
- An MSP fails to complete a server migration on schedule, causing a healthcare client to miss a compliance deadline. The healthcare company faces a regulatory fine and sues the MSP for $275,000. The policy form may respond, but only if the regulatory fine is not excluded as a penalty.
- A custom software vendor delivers an inventory management system that miscounts stock levels. The client loses $600,000 in downstream sales. The vendor's tech E&O policy covers defense costs and settlement, but a sublimit on the policy caps the payout at $500,000.
Average defense costs for technology professional liability claims range from $50,000 to $150,000 depending on complexity and jurisdiction. Settlement amounts vary widely, but six-figure demands are common even for small firms.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
| Coverage Element | Commercial General Liability | Cyber Insurance |
|---|---|---|
| Data breach notification costs | Not covered | Covered under first-party |
| Ransomware payment | Not covered | Covered (subject to sublimit) |
| Regulatory defense | Not covered | Covered under third-party |
| Business interruption from cyberattack | Not covered | Covered with waiting period |
| Funds transfer fraud | Not covered | Covered via cyber crime endorsement |
| Third-party lawsuit over data loss | Excluded or severely limited | Covered under third-party liability |
| Technology product failure | Not covered | Covered under Tech E&O |
How much does a typical PCI forensic investigation cost?
PFI engagements range from $20,000 for a simple, small-merchant investigation to $120,000 or more for complex environments with multiple locations or e-commerce platforms. The card brands dictate the scope, and the merchant pays.
Navigating Policy Limits and Coverage Extensions
Selecting the right limit requires more than a rule of thumb. You need to evaluate your largest single draw amount, your total annual subcontractor payments, the cost of a full network restoration, and your contractual obligations to project owners who may require minimum cyber limits.
Social Engineering Endorsements for Wire Fraud
A social engineering endorsement adds coverage for losses resulting from fraudulent instructions that induce the insured to transfer funds. The critical variables are the sublimit, the retention, and the verification procedures required by the endorsement. Many forms require documented callback verification procedures. If you do not follow them, the endorsement does not respond.
At Bloc Cyber, this is one of the most common coverage gaps identified during form review. A contractor may carry $2 million in cyber liability but only $100,000 in social engineering coverage, a mismatch that leaves seven figures of draw request exposure uncovered. Your broker should be able to tell you the exact sublimit and the exact verification steps required before you bind.
Business Interruption and Delay in Start-Up Coverage
Cyber business interruption coverage compensates for lost income and extra expense during a network outage caused by a covered cyber event. The waiting period, typically 8 to 24 hours, functions like a time-based deductible. Construction firms should pay close attention to whether "delay in start-up" or "soft costs" coverage is available, since a ransomware attack during commissioning can push a project's substantial completion date by weeks.
Policy forms define the restoration period differently. Some end coverage when the network is restored to functionality. Others extend through the period required to recover lost revenue. That distinction can mean hundreds of thousands of dollars on a single claim.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
No. A data breach or cyberattack is a cyber liability exposure, not a technology E&O exposure. You need a separate cyber liability policy form to cover breach response, notification costs, regulatory defense, and third-party claims arising from a security incident. Many technology companies carry both policies because the exposures are distinct.
FAQ: Does this cover me if I get hacked?
P2PE encrypts cardholder data from the point of interaction (the card reader) to the payment processor's secure decryption environment. A validated P2PE solution removes your systems from PCI scope for those transactions, which directly reduces both your compliance burden and your risk profile. Underwriters recognize P2PE as a meaningful risk reduction and may offer premium credits for merchants using validated solutions.
Implementing Point-to-Point Encryption (P2PE)
Frequently Asked Questions About Construction Cyber Risk
Does my general liability policy cover wire fraud?
No. General liability policies exclude losses arising from the transfer of funds and contain broad electronic data exclusions. Wire fraud requires a standalone cyber policy with a social engineering endorsement, and even then, the coverage depends on how the policy form is written.
What happens if a subcontractor's email is hacked and I pay the wrong person?
You bear the loss unless your cyber policy includes a social engineering endorsement that responds to fraudulent payment instructions from a third party's compromised account. The subcontractor's own cyber policy will not cover your financial loss. Verify your endorsement's sublimit and callback requirements immediately.
How much cyber insurance coverage does a mid-sized contractor need?
A contractor running $25 million to $100 million in annual revenue should evaluate limits starting at $1 million, with social engineering sublimits matched to the largest single payment they process. Contractual requirements from owners and lenders often dictate minimum limits. Review your largest three contracts for cyber insurance specifications before selecting a limit.
Will insurance pay if a project is delayed because of a server hack?
A cyber policy's business interruption insuring agreement may respond, but coverage depends on the waiting period, the definition of covered income, and whether the policy extends to dependent business interruption if a third-party platform was attacked. Real consequences from cyber events in construction include project delays that trigger liquidated damages, making this coverage particularly important for contractors with tight schedules.
Real claims illustrate the exposure more clearly than abstract descriptions. Here are patterns that repeat across the technology sector:
- A SaaS company deploys a billing module that overcharges 12,000 end users over six months. The client demands $410,000 in restitution costs plus $150,000 in legal fees. The tech E&O form responds to the defense and indemnity obligation.
- An MSP fails to complete a server migration on schedule, causing a healthcare client to miss a compliance deadline. The healthcare company faces a regulatory fine and sues the MSP for $275,000. The policy form may respond, but only if the regulatory fine is not excluded as a penalty.
- A custom software vendor delivers an inventory management system that miscounts stock levels. The client loses $600,000 in downstream sales. The vendor's tech E&O policy covers defense costs and settlement, but a sublimit on the policy caps the payout at $500,000.
Average defense costs for technology professional liability claims range from $50,000 to $150,000 depending on complexity and jurisdiction. Settlement amounts vary widely, but six-figure demands are common even for small firms.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
| Coverage Element | Commercial General Liability | Cyber Insurance |
|---|---|---|
| Data breach notification costs | Not covered | Covered under first-party |
| Ransomware payment | Not covered | Covered (subject to sublimit) |
| Regulatory defense | Not covered | Covered under third-party |
| Business interruption from cyberattack | Not covered | Covered with waiting period |
| Funds transfer fraud | Not covered | Covered via cyber crime endorsement |
| Third-party lawsuit over data loss | Excluded or severely limited | Covered under third-party liability |
| Technology product failure | Not covered | Covered under Tech E&O |
Will my policy pay for the fines if I'm not compliant?
This depends entirely on the policy form. Some forms cover PCI fines only if the merchant was making good-faith compliance efforts. Others exclude fines arising from known non-compliance. Read the exclusions carefully before binding.
How much does a typical PCI forensic investigation cost?
PFI engagements range from $20,000 for a simple, small-merchant investigation to $120,000 or more for complex environments with multiple locations or e-commerce platforms. The card brands dictate the scope, and the merchant pays.
What is the difference between a fine and an assessment?
A fine is a penalty for non-compliance with PCI DSS standards. An assessment is a cost-recovery mechanism: the card brands and issuing banks recoup their actual losses (fraud charges, card replacement costs) from the breached merchant. Both are financial obligations, but they arise from different triggers and may be treated differently under a policy form.
Protecting Your Bottom Line: Next Steps for Contractors
Construction cyber risk is specific, quantifiable, and insurable, but only if the policy form matches the exposure. A general liability program will not respond to wire fraud. A bundled cyber endorsement on a BOP will not provide adequate limits for a $50 million project. And a standalone cyber policy with a $100,000 social engineering sublimit will not cover a diverted seven-figure draw payment.
The right approach starts with reading the actual policy form: the insuring agreements, the exclusions, the sublimits, and the endorsements. If your current broker cannot walk you through each coverage grant and explain exactly what triggers the policy, that is the gap that will cost you money.
If you are placing cyber coverage for the first time or questioning whether your current form actually responds to construction-specific exposures, request a policy review with a specialist who works at the form level. The conversation costs nothing. The wrong policy costs everything.
ABOUT THE AUTHOR
Caden Braly
— Founder, Bloc Cyber
I'm Caden Braly, founder of Bloc Cyber, the specialty cyber insurance arm of Braly Insurance. I built Bloc Cyber around one idea: businesses deserve coverage that actually responds when a cyberattack happens. I work closely with clients to understand their exposure, place the right policy through specialty carriers, and stand with them through the claim. My goal is simple — give every business straight answers and protection they can trust.
Full profile → caden@bloccyber.com LinkedIn
Industries We Protect
Cyber Coverage Built for Your Industry
Every industry faces a different cyber threat, from patient records in healthcare to wire fraud in construction. Bloc Cyber matches coverage to the risks your sector actually faces, drawing on specialty carriers that understand your business. Find your industry below to see how we protect it.
Healthcare
Banking
Retail / E-Commerce
Legal
Technology / SaaS
Education
Energy / Utilities
Manufacturing
Construction
Defense
Healthcare
HIPAA-grade protection for patient data
725
healthcare breaches disclosed in 2024
HIPAA-grade protection for patient data
▣ Ransomware on EHR systems
▣ PHI exfiltration
▣ Medical device exploits
▣ Business email compromise
Sub-sectors we place
Hospitals and health systems
Physician practices and specialty clinics
Dental practices and DSOs
Behavioral health and addiction treatment centers
Medical billing and revenue cycle management firms
Typical turnaround for indication of terms: 1 business day.
Banking
Coverage that meets FFIEC and NYDFS expectations
$5.9M
average cost of a financial sector breach
Common threats we underwrite against
▣ Wire fraud and BEC
▣ Credential stuffing
▣ Third-party vendor risk
▣ Ransomware
Sub-sectors we place
Community banks
Credit unions
Mortgage lenders and loan originators
Wealth management and RIAs
Payment processors and merchant acquirers
Typical turnaround for indication of terms: 1 business day.
Retail / E-Commerce
PCI-DSS aligned coverage for every checkout
42%
of retailers hit by ransomware in the last year
Common threats we underwrite against
▣ Magecart / card skimming
▣ POS malware
▣ Account takeover
▣ Supply-chain intrusion
Sub-sectors we place
Direct-to-consumer (DTC) brands
Shopify and marketplace sellers
Brick-and-mortar multi-location retailers
Restaurants and QSR franchises
Grocery and specialty food retail
Typical turnaround for indication of terms: 1 business day.
Legal
Privilege, client files, and trust-account safeguards
1 in 4
law firms reported a breach in 2024
Common threats we underwrite against
▣ Wire-transfer fraud
▣ Privileged data theft
▣ Email account compromise
▣ Ransomware
Sub-sectors we place
AmLaw / large firms
Boutique litigation firms
Personal injury and plaintiffs’ firms
Estate planning and trust attorneys
Title and real estate closing firms
Typical turnaround for indication of terms: 1 business day.
Technology / SaaS
SOC 2 and ISO-aligned risk transfer
$4.88M
avg. cost of a SaaS breach in 2024
Common threats we underwrite against
▣ Supply-chain attacks
▣ Cloud misconfiguration
▣ Token and key theft
▣ Zero-day exploits
Sub-sectors we place
B2B SaaS platforms
Managed service providers (MSPs) and MSSPs
Fintech startups
AI and machine learning companies
Cloud hosting and infrastructure providers
Typical turnaround for indication of terms: 1 business day.
Education
FERPA-aligned coverage for student and research data
80%
of K–12 districts hit by ransomware since 2022
Common threats we underwrite against
▣ Ransomware on district networks
▣ Student PII theft
▣ Fake invoice fraud
▣ DDoS on exam platforms
Sub-sectors we place
K-12 public school districts
Private and charter schools
Colleges and universities
EdTech platforms
Tutoring, test prep, and online learning providers
Typical turnaround for indication of terms: 1 business day.
Energy / Utilities
OT and IT coverage for critical infrastructure
24/7
operational-tech monitoring requirements
Common threats we underwrite against
▣ ICS/SCADA intrusion
▣ Nation-state actors
▣ Ransomware on OT
▣ Insider threat
Sub-sectors we place
Municipal utilities (water, electric, gas)
Oil and gas operators
Pipeline and midstream companies
Renewable energy (solar, wind) developers
Electric cooperatives and rural utilities
Typical turnaround for indication of terms: 1 business day.
Manufacturing
Business interruption protection for connected plants
25%
of all ransomware attacks target manufacturing
Common threats we underwrite against
▣ Ransomware halting production
▣ IP theft
▣ ICS exploits
▣ Vendor compromise
Sub-sectors we place
Industrial and heavy equipment manufacturers
Food and beverage processing
Pharmaceutical and medical device manufacturers
Automotive and parts suppliers
Aerospace component manufacturers
Typical turnaround for indication of terms: 1 business day.
Construction
Protection for project files, wires, and jobsite tech
$200K+
average wire-fraud loss in construction
Common threats we underwrite against
▣ Wire-transfer diversion
▣ BEC on project payments
▣ Stolen bid data
▣ Ransomware
Sub-sectors we place
General contractors
Commercial HVAC, electrical, and plumbing subs
Civil and infrastructure contractors
Homebuilders and residential developers
Architecture and engineering (A&E) firms
Typical turnaround for indication of terms: 1 business day.
Defense
CMMC, DFARS, and CUI-compliant risk transfer
CMMC
2.0 compliance required by 2026
Common threats we underwrite against
▣ CUI exfiltration
▣ Nation-state APTs
▣ Supply-chain compromise
▣ Cleared-personnel targeting
Sub-sectors we place
DoD prime contractors
CMMC-regulated subcontractors
Defense software and systems integrators
Aerospace and satellite contractors
Federal IT and cleared staffing firms
Typical turnaround for indication of terms: 1 business day.
The Bloc system
One foundation.
Ten industry-specific builds.
The Bloc mark is built from stackable planes — each one a different angle on the same core structure. That’s how we place coverage: one underwriting discipline, tuned and re-tuned for every industry we serve.
Coverage
A policy you can actually read.
Structured in three clean blocs.
01
First-Party
Your direct losses when an incident hits your business.
✓
Incident response & forensics
✓
Business interruption
✓ Data restoration
✓ Cyber extortion / ransomware
✓ Funds transfer fraud
✓ Reputational harm
02
Third-Party
Your liability to clients, partners, and regulators.
✓
Network security liability
✓
Privacy liability (HIPAA, GDPR, state laws)
✓ Regulatory defense & fines
✓ PCI-DSS fines and assessments
✓ Media liability
✓ Breach notification costs
03
Specialty
Advanced coverages for complex risks and contracts.
✓
Technology E&O
✓
Social engineering fraud
✓ Contingent business interruption
✓ Systems failure
✓ Bricking & hardware replacement
✓ CMMC / regulatory-specific endorsements
Typical limits placed
$1M / $1M starter
$5M / $10M mid-market
$25M+ layered towers
Custom retentions
Common Questions
Cyber Liability Insurance, Explained
What does cyber insurance cover?
Cyber insurance covers the financial losses from a data breach or cyberattack. This includes breach response, legal fees, customer notification, ransomware, business interruption, and regulatory fines, depending on your policy.
Does my business really need cyber insurance?
Yes. Any business that stores customer data, processes payments, or relies on connected systems faces cyber risk. Small and mid-sized companies are frequent targets because they often have fewer defenses.
How much does cyber insurance cost?
Cost depends on your industry, revenue, data volume, and security practices. We market your risk to multiple carriers to find strong coverage at a competitive price. Request a quote for an exact figure.
What is the difference between first-party and third-party cyber coverage?
First-party coverage pays for your own losses, like data recovery and lost income. Third-party coverage pays for claims from others harmed by a breach on your systems.
How fast can I get a quote?
Most clients receive a quote in under 24 hours after we review the details of their business and exposure.
What should I do first after a cyberattack?
Contact us right away. We help you start breach response, connect you with forensic and legal support, and guide your claim so you contain the damage quickly.
Insights
Field notes from the placement desk.
What carriers are asking right now.
Start a quote
Tell us about your business.
We’ll come back with terms.
We’ll review your stack, your contracts, and your exposure — then place the program against the right markets. Most intakes get indicative terms back within one business day.
01
Quick intake
We only ask what the carriers actually need.
02
Benchmark
Side-by-side terms from 10+ specialty cyber carriers.
03
Bind
Plain-language policy review, e-signed and in force.
