| Feature | Commercial General Liability (CGL) | Cyber Privacy Liability |
|---|---|---|
| Covers bodily injury/property damage | Yes | No |
| Covers wrongful collection of data | No (excluded by most ISO forms) | Yes |
| Responds to BIPA claims | Typically excluded or sublimited | Yes, if biometric coverage is included |
| Covers regulatory defense | No | Yes, under most forms |
| Covers class action defense costs | Only for covered claims (rare for privacy) | Yes, subject to policy terms |
| Duty to defend vs. duty to reimburse | Duty to defend (standard) | Varies by form: check your policy |
A ransomware attack shuts down your clinic's electronic health records on a Monday morning. Patients are diverted, surgeries are postponed, and a forensic team discovers that protected health information for 40,000 individuals has been exfiltrated. Your general liability policy does not respond. Your malpractice carrier declines the claim. The breach notification clock is already ticking under state and federal law, and the costs are compounding by the hour.
This scenario plays out across hospitals, clinics, and health tech companies every week. The average cost of a healthcare data breach in the U.S. has reached $7.42 million, with 2026 projections suggesting that figure will continue to climb as threat actors target medical organizations specifically for the density and sensitivity of patient data. Understanding how cyber insurance for healthcare works, from PHI breach response and HIPAA regulatory defense to EHR downtime, connected medical device exposure, and policy limits, is no longer optional. It is a financial and operational necessity for any organization that touches patient data.
Understanding Healthcare Cyber Insurance Basics
Healthcare cyber insurance is a standalone policy form designed to address the financial consequences of data breaches, network security failures, and technology-related disruptions specific to medical organizations. It is not a generic product. The insuring agreements, sublimits, and exclusions vary significantly from one form to another, which is why a form-level review before binding matters more than a marketing summary.
The Difference Between General Liability and Cyber Coverage
General liability policies cover bodily injury and property damage arising from your premises or operations. They were never designed to respond to the theft of electronic records, extortion demands, or regulatory investigations by the Office for Civil Rights. A CGL form typically excludes electronic data from its definition of "property," meaning a breach that exposes thousands of patient records triggers no coverage at all. Cyber liability fills that gap with specific insuring agreements for breach response costs, forensic investigations, legal defense, and liability to affected individuals.
Why Standard Malpractice Insurance Isn't Enough
Medical malpractice policies respond to claims of professional negligence in the delivery of care. A ransomware attack that forces your EHR offline for 72 hours is not a malpractice event, even if patients suffer harm from delayed treatment. The policy form simply does not contemplate network security incidents. Some malpractice carriers have added limited cyber endorsements, but these tend to carry low sublimits, narrow definitions, and waiting periods that leave significant exposure uncovered. A dedicated cyber policy written for healthcare organizations addresses these gaps directly, with coverage grants that match the actual risk profile of a modern medical practice.
By: Caden Braly
Founder of Bloc Cyber Insurance
INDEX
Understanding Healthcare Cyber Insurance Basics
Core Coverage for PHI Breaches and HIPAA Defense
Managing Operational Risks: EHR Downtime and Medical Devices
Comparison: Standard vs. Comprehensive Healthcare Cyber Policies
Determining Adequate Policy Limits and Sub-Limits
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.
This comparison underscores why relying on a single policy form without reading the endorsements creates dangerous gaps. A thorough form-level review, the kind Bloc Cyber performs before placement, identifies whether your social engineering sublimit actually matches your average outbound wire size.
This comparison underscores why relying on a single policy form without reading the endorsements creates dangerous gaps. A thorough form-level review, the kind Bloc Cyber performs before placement, identifies whether your social engineering sublimit actually matches your average outbound wire size.
Executive Messaging Support and Media Training
Your CEO or spokesperson will face cameras and microphones. Executive messaging support covers the cost of media training, message development, and coaching sessions that prepare your leadership for press conferences, interviews, and public statements. This component is easy to overlook during placement, but it is one of the most valuable. A single unscripted remark by an executive can extend a crisis by weeks. Crisis management programs offered by some carriers include pre-loss media training as part of the policy, which means your team gets coached before a crisis hits, not after.
Core Coverage for PHI Breaches and HIPAA Defense
The two most consequential exposures for any healthcare organization are the cost of responding to a breach of protected health information and the regulatory consequences that follow. A well-structured cyber policy addresses both.
First-Party Response: Patient Notification and Forensics
When PHI is compromised, federal and state breach notification laws impose strict timelines. HIPAA requires notification to affected individuals within 60 days, and many states impose shorter windows. First-party coverage in a cyber policy typically pays for forensic investigation to determine the scope of the breach, legal counsel to manage notification obligations, credit monitoring or identity protection services for affected patients, and crisis communications. These costs add up fast. Per-record breach costs in healthcare consistently exceed those in other industries, making the notification and response sublimit one of the most important numbers in your policy.
Regulatory Defense and Fines for HIPAA Violations
A breach involving 500 or more records triggers mandatory reporting to the HHS Office for Civil Rights, which may open a compliance investigation. Regulatory defense coverage pays for attorneys who specialize in HIPAA enforcement proceedings. Some policy forms also cover civil monetary penalties where insurable by law, though this varies by jurisdiction. The distinction between defense costs and penalty coverage matters: a form that covers only defense but excludes fines leaves you exposed to the most expensive part of a regulatory action. Agencies like Bloc Cyber that work exclusively in cyber liability review these provisions at the insuring-agreement level before a policy is bound, so you know exactly where the coverage grant stops.
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 | Standard Policy | Comprehensive Policy |
|---|---|---|
| Ransom Payment Sublimit | $100,000 - $250,000 | Full policy limit |
| Negotiation Services | Panel vendor only | Choice of vendor with pre-approval |
| Sanctions Screening | Included | Included with legal counsel |
| Data Restoration | Subject to separate sublimit | Included in aggregate limit |
| System Rebuild | Limited to like-kind replacement | Includes upgrades if required by regulation |
| Business Interruption Waiting Period | 12 - 24 hours | 6 - 8 hours |
| Dependent Business Interruption | Excluded | Included with sublimit |
Internal Threats: When Employee Information is Compromised
Employee data exposure is often overlooked in privacy liability planning. Your HR systems hold Social Security numbers, direct deposit information, health records, and sometimes biometric data. A breach of employee records triggers notification obligations under state law and can generate lawsuits from your own workforce.
Insider threats, whether from a disgruntled employee exfiltrating data or a payroll vendor suffering a breach, create exposure that sits at the intersection of cyber liability and employment practices liability. Not every cyber form covers claims brought by employees: some policies contain an "insured vs. insured" exclusion that bars coverage when the claimant is also an employee. This is a gap that must be identified during the placement process, not discovered during a claim.
Managing Operational Risks: EHR Downtime and Medical Devices
Beyond data theft, healthcare organizations face operational risks that can be equally devastating. A network outage that takes your EHR offline or a compromised infusion pump creates immediate patient safety concerns and financial losses.
Business Interruption and Electronic Health Record Recovery
Business interruption coverage in a cyber policy reimburses lost revenue and extra expenses incurred during a network outage caused by a covered security event. For hospitals and clinics, this means coverage for the revenue lost when you cannot bill, schedule, or treat patients at normal capacity. The waiting period, typically 8 to 12 hours, determines when coverage begins, and the financial impact of downtime on revenue cycle operations can be severe even within that initial window. Pay close attention to whether the form covers "dependent business interruption" as well, which responds when a third-party vendor, such as your cloud-hosted EHR platform, suffers the outage rather than your own network.
Connected Medical Device (IoMT) Vulnerabilities
Internet of Medical Things devices, from smart infusion pumps to networked imaging systems, expand your attack surface significantly. A compromised device can serve as an entry point into your broader network or, in a worst case, create a direct patient safety risk. Standard cyber forms were not originally written with IoMT in mind, and coverage gaps for connected medical devices remain common. You should confirm whether your policy covers security events originating from medical devices, whether device manufacturers' liability is addressed, and whether bodily injury arising from a compromised device is excluded. These are questions that require reading the actual form, not relying on a coverage summary.
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 |
Carriers view social engineering as a high-frequency, controllable-risk exposure. Unlike a data breach that may involve millions of records, a wire fraud loss is often the result of a single procedural failure. Insurers price and limit accordingly. A company with a $1 million crime policy might carry only $250,000 in social engineering coverage. If a single BEC attack costs $400,000, the policy pays $250,000 and the insured absorbs the rest. Some endorsements also apply co-insurance, meaning the carrier pays only 50% or 75% of the loss up to the sublimit. On a $250,000 sublimit with 50% co-insurance, your maximum recovery is $125,000.
Why Social Engineering Limits are Lower Than Policy Aggregate
Social engineering losses are almost always first-party: your company sent money to a criminal. The loss belongs to you, not to a customer or third party filing a claim against you. This distinction matters because third-party liability coverage on a cyber form will not respond. You need a first-party coverage grant, either within a crime policy or as a standalone endorsement, that explicitly names social engineering or fraudulent impersonation as a covered peril.
The Importance of First-Party vs. Third-Party Loss
Comparison: Standard vs. Comprehensive Healthcare Cyber Policies
Not all cyber policies are written equally, and the differences between a standard form and one tailored for healthcare can be substantial.
| Coverage Feature | Standard Cyber Policy | Healthcare-Specific Cyber Policy |
|---|---|---|
| PHI Breach Response | Generic notification coverage | Covers HIPAA-specific notification timelines and HHS reporting |
| Regulatory Defense | May exclude healthcare regulators | Includes OCR investigations and state AG actions |
| EHR Downtime | Basic business interruption | Covers revenue cycle disruption, dependent systems |
| Medical Device Exposure | Often excluded or silent | Addresses IoMT entry points and device-related incidents |
| Penalty Coverage | Rarely included | May cover civil monetary penalties where insurable |
| Waiting Period | 12-24 hours typical | 6-8 hours available on some forms |
| Sublimits | Broad, undifferentiated | Specific sublimits for forensics, notification, regulatory |
A healthcare organization purchasing a generic cyber form may find that the policy does not respond to the specific regulatory and operational exposures that define its risk. The form should be matched to the risk, not the other way around.
No policy form replaces internal controls. Carriers price social engineering coverage partly on the strength of your verification procedures, and weak controls can void coverage at claims time. Invoice manipulation claims represent a significant share of cyber insurance losses across the mid-market segment, and carriers are scrutinizing pre-loss controls more aggressively than ever.
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.
Determining Adequate Policy Limits and Sub-Limits
Selecting the right aggregate limit is not guesswork. It requires a realistic assessment of your record count, regulatory exposure, and operational dependency on networked systems.
Calculating the Cost Per Patient Record
A common starting point is multiplying your total patient record count by an estimated per-record breach cost. In healthcare, that figure can be calculated using breach cost models that account for notification, credit monitoring, forensic investigation, and legal fees. For a clinic with 50,000 records, even a conservative per-record estimate of $150 produces a $7.5 million exposure before regulatory defense costs are added. This calculation should inform your minimum limit, not your maximum.
Understanding Aggregate Limits vs. Per-Occurrence Limits
Your policy's aggregate limit is the total amount available for all claims during the policy period. A per-occurrence limit caps what the insurer will pay for any single event. If your aggregate and per-occurrence limits are the same, a single large breach could exhaust your entire annual coverage. Organizations that face multiple threat vectors, such as a phishing attack and a separate vendor breach in the same year, should consider whether their aggregate provides enough capacity for more than one event. Sublimits on specific coverage parts, such as a $500,000 sublimit on regulatory fines within a $3 million aggregate, can create hidden gaps that only become visible at claim time.
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 |
It depends on your policy. Many standard policies require a specific "Cyber Crime" endorsement to cover losses from being tricked into sending money to a fraudster.
Does cyber insurance cover social engineering scams?
Is deepfake fraud covered under standard impersonation terms?
It depends entirely on the policy language. Many forms written before 2024 reference only email or written communication. If the endorsement does not explicitly include voice or video impersonation, a deepfake-based claim may fall outside the coverage grant. Ask your broker to confirm the form addresses synthetic media.
Common Questions About Medical Cyber Liability
Does HIPAA require healthcare organizations to carry cyber insurance? No. HIPAA does not mandate cyber insurance. However, the Security Rule requires administrative, physical, and technical safeguards, and many compliance frameworks now treat cyber insurance as a risk transfer component of a complete security program.
What security controls do insurers require before issuing a policy? Most carriers require multi-factor authentication, endpoint detection and response, encrypted backups, and a documented incident response plan. Some forms also require employee phishing training and privileged access management.
Are telehealth platforms covered under a healthcare cyber policy? Coverage depends on the form. Some policies cover telehealth as part of your network operations; others treat it as a separate technology service that may need a technology E&O endorsement.
Does cyber insurance cover ransomware payments? Many forms include an extortion coverage grant that reimburses ransom payments, but this is subject to OFAC compliance screening and often carries its own sublimit. The form language matters: some policies cover only the ransom itself, while others also cover the forensic and recovery costs surrounding the event.
What happens if a third-party vendor causes the breach? If your EHR vendor or cloud provider is compromised, your policy may respond under a "dependent business interruption" or "third-party network security" provision. Not all forms include this, and your policy must specifically address vendor-related incidents to provide coverage.
How much does healthcare cyber coverage typically cost? Premiums vary widely based on record count, revenue, security posture, and claims history. A small clinic might pay $3,000 to $8,000 annually, while a mid-size hospital system could see premiums of $30,000 or more depending on limits and retentions.
No policy form replaces internal controls. Carriers price social engineering coverage partly on the strength of your verification procedures, and weak controls can void coverage at claims time. Invoice manipulation claims represent a significant share of cyber insurance losses across the mid-market segment, and carriers are scrutinizing pre-loss controls more aggressively than ever.
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.
Making the Right Choice for Your Practice
Healthcare cyber insurance is not a commodity product you purchase by price alone. The form language, sublimits, waiting periods, and exclusions determine whether your policy actually responds when a breach, ransomware event, or device compromise occurs. A policy that looks adequate on a declarations page can leave six- or seven-figure gaps at the coverage level if the insuring agreements do not match your specific operational and regulatory exposure.
The right approach is to have a specialist review the actual policy form with you before binding, line by line, so you understand what triggers coverage, what falls outside it, and what that gap would cost in a real claim. If you are purchasing your first healthcare cyber policy or renewing an existing one, Bloc Cyber can walk through the form with you to identify where the coverage grant ends and where your exposure begins. That conversation costs nothing. A coverage gap discovered during a breach 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.
