Nadler Insurance

Cyber Liability Insurance

Data breaches, ransomware, and network vulnerabilities are a growing risk for businesses of every size. Cyber insurance helps you respond to attacks and recover from digital disasters.

What Cyber Insurance Covers

Data Breach Response

Covers the costs of responding to a data breach — forensic investigation, legal counsel, customer notification, credit monitoring, and public relations.

Ransomware & Extortion

Covers ransom payments (if you choose to pay), negotiation costs, and the expenses of restoring your systems after a ransomware attack.

Business Interruption

Replaces lost income and covers extra expenses when a cyber event shuts down your operations. Critical for businesses that depend on their systems.

Network Security Liability

Covers claims from third parties if your network security failure causes them harm — like transmitting malware or failing to protect their data.

Privacy Liability

Covers claims from individuals whose personal information was compromised. Includes defense costs and settlements for privacy violations.

Regulatory Defense

Covers fines, penalties, and legal defense costs from regulatory investigations. Important given California's strict privacy laws (CCPA/CPRA).

Why Cyber Risk is Growing

  • Ransomware attacks are up dramatically, and attackers now target small businesses as "easy wins."
  • California's privacy laws (CCPA/CPRA) create regulatory liability for businesses that suffer data breaches.
  • Remote work has expanded attack surfaces, with employees accessing systems from home networks.
  • The average data breach costs over $4 million — a devastating hit for any business.

Frequently Asked Questions

Does my business really need cyber insurance?
If your business uses computers, accepts credit cards, stores customer data, or relies on digital systems — yes. Cyber attacks target businesses of all sizes. Small businesses are often more vulnerable because they have fewer security resources.
What's not covered by cyber insurance?
Most cyber policies exclude physical damage, bodily injury, prior known events, and intentional acts. Some exclude social engineering fraud (phishing scams) unless you add that coverage. War and terrorism exclusions also typically apply.
How much cyber coverage do I need?
It depends on your data exposure, revenue, and industry. A small business might start with $500,000-$1 million. Companies with significant customer data or regulatory exposure may need higher limits. We'll help you assess your risk.
Will cyber insurance cover a ransomware payment?
Most policies cover ransom payments, but there are legal and ethical considerations. The FBI generally advises against paying ransoms. Your policy may require pre-approval and use of approved negotiators. We'll help you understand your options.
What cybersecurity measures do insurers require?
Requirements vary, but common ones include multi-factor authentication (MFA), regular backups, employee security training, endpoint protection, and encryption. Better security often means lower premiums and better coverage terms.

Ready to protect your business from cyber threats?

Get a cyber insurance quote and find out what coverage makes sense for you.

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