Coverage line
Cyber Liability
You get hacked or leak customer data. This pays for the cleanup, the required notifications, and the fallout.
Built for moments like these.
Ransomware locks production the night before launch. You need forensics and a negotiator.
Covered — Attack response
An attacker exfiltrates your customers' records. Notification letters are legally required.
Covered — Breach fallout
The classic mix-up
Your model gives bad output and a customer loses money. No breach involved.
Not this policy
→ Professional Liability (Tech E&O) answers this oneEasy to confuse. Here’s the line between them.
Cyber Liability
Hacks and leaks.
This page
When to buy
The first time you hold customer data in production.
Typical ask: $1M or more in enterprise contracts. Your broker confirms yours.
Who requires it
Enterprise and government contracts, once you touch their data.
How hard to get
Easy to get
Quick to get with sane security basics in place.
Common questions
We run on a major cloud provider. Do we still need cyber insurance?
Yes. The cloud's shared-responsibility model leaves your code, configuration, and data handling on your side of the line. When customer data you hold is exposed, the claims come to you, not to the cloud provider.
Does cyber insurance cover a prompt-injection attack or a model leaking data?
It depends on how the policy defines a security event, and those definitions were written before language models existed. This is exactly the wording we read before a form binds, because an AI-mediated leak that falls outside the definition is an uncovered breach.
When do contracts start requiring cyber coverage?
As soon as you touch a customer's data in production. Enterprise data-processing agreements and government contracts commonly set a required limit, often one million dollars or more.
What does a cyber policy actually pay for after a breach?
The immediate costs are forensics, legal guidance, customer notification, and credit monitoring. Beyond that, covered policies respond to liability claims from affected customers and business interruption from the event, subject to the carrier's terms.
Still not sure if you need it?
Apply in minutes — the application tells you which lines fit, and a licensed producer reviews everything.
This page describes a line of coverage in general terms. It is not an offer of insurance and not evidence of coverage. Carrier appetite, policy wording, licensing, and availability govern every quote and every claim.