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.

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.

Georgia Technology Errors and Omissions Insurance

Three scenarios dominate the claims data. First, a compromised vendor email chain leads your AP team to redirect a legitimate invoice payment to a new bank account controlled by a criminal. Second, a spoofed executive email instructs your controller to wire funds for a confidential acquisition or urgent tax payment. Third, a threat actor compromises your company's own email system and intercepts outbound payment instructions to your clients, redirecting incoming payments. Each scenario triggers a different coverage grant, and some policies cover only one or two of the three.

Common Wire Transfer Loss Scenarios

A single failed software deployment can trigger a breach-of-contract claim that costs more than your entire annual revenue. For technology companies operating in Georgia, whether headquartered in Atlanta, serving clients from Savannah, or building products in Augusta, the risk of a professional liability lawsuit is not hypothetical. It is a daily operating reality. Georgia's tech sector is growing fast: the ecosystem secured $1.2 billion in venture capital across 2025 alone, and that growth brings more contracts, more SLA commitments, and more exposure to claims alleging negligent work or failure to deliver. Technology errors and omissions insurance exists specifically for this exposure, covering the financial fallout when a client alleges your software, services, or systems did not perform as promised. This guide breaks down how these policies work for Georgia tech firms, what they actually cover, and where the gaps hide. Understanding the structure of a tech E&O policy before a claim hits is the difference between a recoverable dispute and a company-ending judgment.

Technology errors and omissions insurance is a form of professional liability designed for companies that build, sell, implement, or manage technology products and services. Unlike a general commercial policy, tech E&O responds to claims arising from your professional work product: the code you wrote, the system you configured, the migration you managed. The policy typically covers defense costs, settlements, and judgments when a client alleges your technology failed to perform, caused financial harm, or did not meet contractual specifications.

For Georgia-based firms, this coverage carries particular weight. The state's breach-notification statute imposes specific timelines and obligations on companies handling personal data, and a software failure that exposes client records can trigger both a tech E&O claim and regulatory scrutiny simultaneously. A policy form may respond to both the client's breach-of-contract suit and the associated regulatory defense, depending on how the insuring agreements are written.

Georgia's technology sector spans SaaS platforms, managed service providers, fintech startups, healthcare IT vendors, and custom development shops. Each of these business models carries professional liability exposure the moment a client signs a contract. If your software causes a client to lose revenue, miss a regulatory deadline, or suffer a data loss, the resulting claim targets your professional services, not your physical premises or products.

Most enterprise clients and government agencies in Georgia now require proof of tech E&O coverage before signing a master services agreement. Without it, you lose deals. With insufficient limits, you risk paying out of pocket for defense costs that routinely exceed $100,000 before a case even reaches discovery.

General liability covers bodily injury and property damage: someone slips in your office, or your equipment damages a client's server room. It does not respond to claims alleging your software failed, your code introduced a vulnerability, or your implementation missed a deadline. Those are professional acts, and they require a professional liability policy.

A common mistake among smaller Georgia tech firms is assuming their general liability or business owner's policy includes professional liability coverage. It does not. The exclusions in a standard GL form specifically carve out claims arising from professional services, rendering the policy useless for the exact claims a technology company is most likely to face.

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.

Forensic Investigations: Identifying the Source and Scope

Forensic investigators determine how the attacker got in, what data was accessed, whether exfiltration occurred, and whether the threat actor is still present in the network. Their report drives every downstream decision: which individuals must be notified, whether payment card brands must be alerted, and what remediation steps are necessary. Forensic engagements for mid-market companies commonly run between $30,000 and $150,000, depending on the complexity of the environment. The policy form may impose a separate sublimit on forensic costs or bundle them under a single breach response aggregate. Bloc Cyber reviews these sublimits at the insuring-agreement level before binding, so clients understand exactly how much forensic coverage they are purchasing and where the cap sits relative to their actual exposure.

SLA disputes represent a growing category of tech E&O claims, particularly for managed service providers and SaaS companies. When your contract guarantees 99.9% uptime and your platform experiences extended outages, the financial exposure extends beyond the service credits written into the SLA. Clients may claim consequential damages: lost sales, regulatory penalties, or reputational harm tied to the downtime.

Not every tech E&O policy covers SLA-related claims. Some forms treat SLA penalties as liquidated damages, which are typically excluded. Others classify SLA failures as a failure to perform professional services, which brings them within the coverage grant. You need to know which version your policy form uses before you sign a contract that includes uptime guarantees.

Missed Service Level Agreements (SLAs) and Uptime Requirements

The two most frequent claim categories against technology firms are failure to perform contracted services and negligent development of software or systems. A well-structured tech E&O policy addresses both, but the specific coverage grants vary significantly between carriers and policy forms.

Failure-to-perform claims typically arise when a project runs over budget, misses deadlines, or delivers functionality that does not match the statement of work. Negligent development claims focus on the quality of the work itself: buggy code, insecure architecture, or system designs that cannot scale as specified. Both can produce six- and seven-figure claims.

A failure-to-perform claim is a breach-of-contract allegation dressed in professional liability language. Your client hired you to deliver a working CRM integration by Q2, and Q4 arrives with the project still incomplete. The client sues for the fees paid, the cost of hiring a replacement vendor, and consequential damages from lost business during the delay.

The policy form may respond to this claim by covering your defense costs and any resulting settlement. The key word is "may." Some forms exclude pure breach-of-contract claims unless they also allege a negligent act, error, or omission. Reading the insuring agreement before binding, not after a claim, is where firms like Bloc Cyber focus their placement work: identifying whether the coverage grant actually matches the contractual exposure you carry.

Negligent development claims hit harder because they often involve systemic failures. A client discovers that the e-commerce platform you built stores credit card numbers in plaintext, or the API you designed allows unauthorized access to patient records. The resulting claim combines breach of contract, negligence, and potentially regulatory violations.

A tech E&O policy form designed for this exposure will typically cover defense costs, indemnity payments, and sometimes the cost of remediation or crisis management. Georgia courts have been refining how they handle technology-related liability claims, particularly as AI-driven development tools introduce new questions about who bears responsibility for defective code. If your firm uses AI-assisted coding tools, confirm that your policy does not exclude claims arising from automated or machine-generated work product.

The gap between a basic crime policy and a comprehensive fraud protection program is significant. The table below highlights key differences.

This comparison illustrates why a general liability policy, even one with a broad "personal and advertising injury" grant, will not respond to a regulatory proceeding. The coverage must be placed specifically under a cyber or technology E&O form that includes regulatory defense as a named insuring agreement.

Coverage Feature	Basic Crime Policy	Comprehensive Cyber with Fraud Coverage
Computer Fraud	Typically included	Included
Social Engineering	Optional endorsement, low sublimit	Included, higher sublimits available
Push Payment Fraud	Often excluded	May be covered as separate grant
Account Takeover	May fall under computer fraud	Explicitly covered
Forensic Investigation	Not covered	First-party expense coverage
Legal and Regulatory Costs	Not covered	Included
Callback Verification Required	Yes, strict condition	Yes, but terms vary by form
Typical Sublimit Range	$100K - $250K	$250K - $1M+

R&W retentions function similarly to a deductible but are typically structured as a percentage of enterprise value. A common retention for mid-market deals sits between 1% and 3% of the transaction value. On a $50 million deal, that means the buyer absorbs the first $500,000 to $1.5 million of covered losses before the insurer pays anything. The retention exists because underwriters expect the buyer's own diligence to catch smaller issues. Retention levels are negotiable and vary by carrier, deal size, and the quality of the diligence package presented during underwriting.

How Retention Works as a Deductible

The Transition from Retention to Drop-Down Coverage

Most R&W policies include a drop-down feature that reduces the retention, often by half, after a specified period, typically 12 months post-closing. If the original retention is $1 million, it drops to $500,000 after the first year. This mechanism reflects the assumption that the most significant breaches surface early. The reduced retention in the later period provides the buyer with more accessible coverage for claims that emerge after the initial post-closing adjustment period. Some policies offer a full drop to zero retention after 18 or 24 months, though this depends on the specific terms negotiated with the underwriter.

Area	SOC 2 Requirement	Typical Cyber Insurance Requirement
Multi-Factor Authentication	Required under Security criterion for logical access	Required on all remote access, email, and admin consoles
Endpoint Detection & Response	Recommended but not always mandated	Frequently required; some carriers mandate specific vendors
Encryption	Required for data in transit; recommended at rest	Required for both in transit and at rest on most applications
Incident Response Plan	Required under Security criterion	Required; some carriers want to see tabletop exercise records
Backup & Recovery	Covered under Availability criterion	Required with tested restoration procedures
Vendor Management	Covered under Confidentiality or Security	Asked about in applications; subcontractor liability coverage may depend on it
Employee Training	Required under Security criterion	Required; frequency and phishing simulation results often requested

A breach-response insuring agreement typically covers the cost of retaining a forensic investigation firm to determine the scope of the intrusion, identify compromised data, and recommend remediation. It also covers breach counsel: attorneys who manage notification obligations, coordinate with regulators, and advise on litigation exposure.

The sequencing matters. Engaging breach counsel first, before the forensic firm, can place the forensic report under attorney-client privilege. This is a practical consideration that affects your litigation posture. Your policy form should not restrict you to a single panel firm if that firm has a conflict or lacks capacity during a widespread event. Bloc Cyber evaluates panel flexibility and pre-approval processes during the placement process so clients are not surprised after an incident.

The Role of Forensic Investigators and Legal Counsel

The difference between these two categories is not academic. A standard professional liability form written for consultants or accountants will contain exclusions that gut coverage for a software company. Technology-specific forms are underwritten with code delivery, SaaS operations, and IT services in mind. The endorsements and exclusion language reflect the actual risk profile of a tech firm.

Coverage Feature	Standard Professional Liability	Specialized Tech E&O
Negligent acts/omissions	Covered	Covered
Breach of contract (standalone)	Often excluded	Typically included
SLA failure claims	Excluded or silent	May be covered depending on form
Intellectual property infringement	Rarely included	Usually included
Network security liability	Not included	Available as combined form
Rectification/mitigation costs	Not included	Available on select forms
Defense cost structure	Inside the limit	Inside or outside the limit (varies)
Technology-specific exclusions	Broad	Narrower, negotiable

A 99.9% uptime SLA allows roughly 8.7 hours of downtime per year. Miss that target for an enterprise client running revenue-critical operations, and the claim can dwarf the entire contract value. A healthcare SaaS provider in Augusta whose platform goes down during open enrollment, or a fintech vendor in Atlanta whose payment processing system drops during peak hours, faces claims that include lost revenue, reputational harm, and regulatory penalties the client incurred because of the outage.

Service credits cap your contractual liability. They do not cap your tort liability. A client can accept the service credit and still sue for negligence if the downtime resulted from a preventable system failure.

A tech E&O policy can respond to the negligence component of an SLA-related claim, covering defense costs and indemnity when a client alleges the downtime resulted from your negligent acts or omissions in managing the infrastructure. The policy will not typically pay the service credits themselves, as those are a contractual obligation, not a liability claim.

The gap to watch is the waiting-period provision. Many tech E&O forms impose a waiting period, often 8 to 12 hours, before coverage for service interruption claims triggers. If your SLA promises 99.99% uptime, even a brief outage can breach the agreement, but your policy may not respond until the downtime exceeds the waiting period. This is exactly the type of sublimit and trigger analysis that Bloc Cyber performs before binding a policy, ensuring the form's waiting period aligns with your actual SLA commitments.

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

Most states have not passed explicit statutes declaring regulatory fines insurable or uninsurable. Instead, the question turns on public policy: courts in some jurisdictions hold that allowing insurance to pay a punitive or regulatory fine would undermine the fine's deterrent purpose. New York, for example, has case law suggesting that certain regulatory penalties are uninsurable on public policy grounds. Texas and California courts have taken different positions depending on the type of fine and the regulatory scheme involved.

Your policy form will typically include language stating that fines and penalties are covered "to the extent insurable under applicable law." This shifts the jurisdictional analysis to the time of claim. Bloc Cyber maintains state-by-state fluency in breach-notification triggers and regulatory defense exposure, which matters when your operations span multiple states with different public policy positions on fine insurability.

State-by-State Variations in Public Policy and Uninsurable Fines

Companies with operations in the EU, UK, or Asia-Pacific face additional complexity. GDPR fines imposed by European data protection authorities can reach four percent of global annual revenue. Whether a US-placed policy can respond to a GDPR fine depends on the policy's territorial scope, the choice-of-law provisions, and whether the jurisdiction where the fine is imposed permits its insurance.

Many standard cyber forms limit territorial coverage to the United States and its territories. If your company has employees, customers, or data processing activities in Europe, you need a form with international regulatory coverage or a locally admitted policy in the relevant jurisdiction. The cost of getting this wrong is not theoretical: monitor and compliance fees in cross-border enforcement actions can compound rapidly when multiple regulators coordinate investigations.

International Considerations for Multinational Regulatory Risks

Addressing Known Issues and Exclusions

Any issue identified during diligence that is disclosed to the underwriter becomes a known issue and is excluded from coverage. This is a fundamental principle of R&W insurance: it covers unknown breaches, not problems you already know about. Buyers sometimes assume they can disclose a problem and still obtain coverage for it. They cannot. The underwriter will carve out any known matter, and the buyer must negotiate a specific indemnity from the seller or accept the risk. This is where the interplay between your diligence process and your insurance placement becomes critical: thoroughness in diligence improves your coverage, but every issue you find narrows it.

For companies that carry cyber liability or technology E&O policies, this dynamic should feel familiar. At Bloc Cyber, we see a parallel in how cyber insurers evaluate a company's security posture before binding coverage: known vulnerabilities get excluded or trigger higher retentions, just as known issues do in R&W underwriting.

How much does cyber insurance cost for a small firm?

A firm of 10 to 25 attorneys can typically expect premiums in the range of $3,000 to $12,000 annually for $1 million in coverage, depending on practice areas, security controls in place, and claims history. Firms handling real estate closings or M&A work will pay more because of the wire-fraud exposure.

Coverage Element	Basic Tech E&O	Comprehensive Tech E&O
Professional negligence defense	Included	Included
Failure-to-perform claims	Often excluded or sublimited	Typically included in full
SLA breach / service interruption	Excluded or high waiting period	Included with negotiable waiting period
Regulatory defense	Excluded	Included, sometimes sublimited
Intellectual property infringement	Excluded	Included for IP in deliverables
Subcontractor liability	Excluded	May extend to approved subcontractors
Prior acts coverage	Limited or none	Full prior acts with retroactive date
Crisis management / PR costs	Excluded	Sublimited coverage available

FAQ: Does my general business insurance cover hacking?

Almost certainly not. Standard CGL and BOP policies contain electronic data exclusions. Even if your policy has a small "data breach" endorsement, it is typically capped at $50,000 to $100,000, which will not cover a meaningful incident. A standalone cyber liability form provides the breadth and limits required for a real claim.

FAQ: How does a consent order affect my future premiums?

A consent order signals increased risk to underwriters. Expect premium increases at renewal, potentially 25 to 100 percent or more depending on the severity of the order and your compliance track record. Some carriers may decline to renew entirely if the consent order reveals systemic compliance failures.

Law firm cyber coverage is not a commodity product you can purchase by checking a box on a general liability application. The risks are specific: trust account fraud, privileged document exposure, deal data theft, multi-state notification obligations, and business interruption measured in lost billable hours. Your policy needs to reflect those risks at the insuring-agreement level, with sub-limits and retentions that match your actual exposure.

Do not wait for a breach to discover that your social engineering sub-limit is $100,000 on a $1.2 million wire or that your business-interruption waiting period is 24 hours when your systems were down for a week. If you are purchasing your first cyber policy or renewing an existing one, have a specialist review the actual policy form with you. Bloc Cyber's practice is built entirely around cyber, technology E&O, and AI liability placement. You can request a coverage review to have a specialist walk through the insuring agreements, sub-limits, and exclusions specific to your firm's risk profile before you bind.

Premium for Georgia tech E&O depends on several variables: your annual revenue, the types of services you provide, your claims history, the industries you serve, and the contractual limits your clients require. A $5 million revenue MSP serving healthcare clients in Savannah will pay more than a $2 million custom development shop building internal tools for retail companies. Healthcare and financial services clients carry higher regulatory exposure, which increases the risk profile the carrier underwrites.

Deductibles, or retentions, typically range from $2,500 for smaller firms to $25,000 or more for mid-market companies. A higher retention lowers your premium but increases your out-of-pocket cost per claim.

Most enterprise contracts specify minimum E&O limits, commonly $1 million per claim and $2 million aggregate. Government contracts and healthcare clients often require $5 million or higher. Your policy limits should match or exceed the highest contractual requirement you carry, because a limit that falls short leaves you personally exposed for the difference.

If you are bidding on contracts with $5 million indemnification clauses, carrying $1 million in coverage creates a gap that no amount of contract negotiation will fully close. Review your largest three to five client contracts annually and adjust your limits accordingly.

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

State-by-State Variations in Public Policy and Uninsurable Fines

International Considerations for Multinational Regulatory Risks

Addressing Known Issues and Exclusions

Post-Incident Forensic and Legal Obligations

After a SCADA or OT intrusion, you will likely face parallel investigations: your own internal forensic team, your insurer's panel forensics firm, CISA, and potentially your state public utility commission. A coordinated attack on Minnesota water utilities demonstrated how quickly a regional incident can trigger multi-agency scrutiny.

Your policy should not restrict your choice of forensic investigators to a panel that lacks OT expertise. If the form requires you to use a pre-approved vendor, confirm that vendor has ICS forensic capability. The wrong forensic team can miss artifacts specific to industrial protocols like Modbus or DNP3, leaving you with an incomplete investigation and a disputed claim.

How much does cyber insurance cost for a small firm?

Does my general liability policy cover software failures? No. General liability excludes claims arising from professional services, including software development, IT consulting, and managed services. You need a separate tech E&O policy.

How quickly does a tech E&O policy respond after I report a claim? Most carriers acknowledge claims within 48 hours and assign defense counsel within one to two weeks. The policy's duty to defend typically begins at the point a covered claim is reported, not when a lawsuit is filed.

Can I add cyber liability to my tech E&O policy? Many carriers offer combined tech E&O and cyber liability forms. Whether a combined or standalone structure works depends on your risk profile and the specific insuring agreements in each form.

Are SLA penalties covered under tech E&O? Service credits you owe under a contract are generally not covered, as they are a contractual obligation. The negligence claim that follows a service failure, however, may be covered depending on the policy form.

Do I need tech E&O if I only resell third-party software? Yes. Resellers face claims for recommending or implementing products that fail. Your client's lawsuit will name you, not the original manufacturer, as the party who selected and deployed the solution.

Is prior work covered if I buy a policy today? That depends on the retroactive date in the policy. A full prior acts policy covers work performed before the policy inception. Some forms restrict coverage to work performed after a specific retroactive date.

FAQ: Does my general business insurance cover hacking?

FAQ: How does a consent order affect my future premiums?

Factors Influencing Policy Costs in the Georgia Market

Georgia technology companies face professional liability exposure that scales with every new contract signed and every SLA committed to. The right tech E&O policy is not a commodity purchase: it is a form-level decision that determines whether your firm survives a six-figure claim or absorbs the loss directly. Atlanta's rapidly expanding tech ecosystem means more competition, larger contracts, and higher-stakes SLA commitments across the state.

Your policy should match the actual risk your contracts create. That means reviewing insuring agreements, confirming that failure-to-perform claims are not excluded, verifying that waiting periods align with your SLA commitments, and ensuring your limits meet your contractual obligations.

If you are buying or renewing a technology E&O policy, consider working with a specialist who reads the actual policy form before binding. Bloc Cyber's practice is built entirely around cyber and technology professional liability placement. Request a review of your current or prospective policy so a specialist can walk through the coverage grants, exclusions, and sublimits with you before a claim tests them.

Healthcare

Banking

Retail / E-Commerce

Legal

Technology / SaaS

Education

Energy / Utilities

Manufacturing

Construction

Defense

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.

Construction Cyber Risk: Project Data, Wire Transfers and Connected Sites

Get In Touch

Georgia Technology Errors and Omissions

﻿Insurance

Common Wire Transfer Loss Scenarios

Understanding Georgia Technology E&O Insurance

Why Georgia Tech Companies Need Professional Liability

The Difference Between General Liability and Tech E&O

Forensic Investigations: Identifying the Source and Scope

Missed Service Level Agreements (SLAs) and Uptime Requirements

Core Protections: Failure-to-Perform and Negligent Development

Defining Failure-to-Perform in Software Contracts

Coverage for Negligent Coding and Faulty Architecture

How Retention Works as a Deductible

The Transition from Retention to Drop-Down Coverage

The Role of Forensic Investigators and Legal Counsel

Managing Service Level Agreement (SLA) Risks

Financial Consequences of Missed Uptime Guarantees

How Tech E&O Bridges the Gap in SLA Disputes

State-by-State Variations in Public Policy and Uninsurable Fines

International Considerations for Multinational Regulatory Risks

Addressing Known Issues and Exclusions

How much does cyber insurance cost for a small firm?

Comparison: Basic vs. Comprehensive Tech Coverage

FAQ: Does my general business insurance cover hacking?

FAQ: How does a consent order affect my future premiums?

Determining Your Coverage Limits and Deductibles

Factors Influencing Policy Costs in the Georgia Market

Matching Limits to Client Contract Requirements

State-by-State Variations in Public Policy and Uninsurable Fines

International Considerations for Multinational Regulatory Risks

Addressing Known Issues and Exclusions

Post-Incident Forensic and Legal Obligations

How much does cyber insurance cost for a small firm?

Common Questions About Georgia Tech E&O

FAQ: Does my general business insurance cover hacking?

FAQ: How does a consent order affect my future premiums?

Factors Influencing Policy Costs in the Georgia Market

Making the Right Choice for Your Tech Firm

Caden Braly

Cyber Coverage Built for Your Industry

Healthcare

Banking

Retail / E-Commerce

Legal

Technology / SaaS

Education

Energy / Utilities

Manufacturing

Construction

Defense

Healthcare

One foundation.Ten industry-specific builds.

A policy you can actually read.Structured in three clean blocs.

First-Party

Third-Party

Specialty

Cyber Liability Insurance, Explained

What does cyber insurance cover?

Does my business really need cyber insurance?

How much does cyber insurance cost?

What is the difference between first-party and third-party cyber coverage?

How fast can I get a quote?

What should I do first after a cyberattack?

Field notes from the placement desk.What carriers are asking right now.

Construction Cyber Risk: Project Data, Wire Transfers and Connected Sites

Defense Contractor Cyber Risk: Protecting Controlled Unclassified Information

Retail Cyber Risk: Payment Data, Loyalty Systems and Seasonal Exposure

Tell us about your business.We’ll come back with terms.

Insurance

One foundation.
Ten industry-specific builds.

A policy you can actually read.
Structured in three clean blocs.

Field notes from the placement desk.
What carriers are asking right now.

Tell us about your business.
We’ll come back with terms.