Business Insurance

Cyber coverage for the businesses hackers count on

Small businesses are frequent targets of phishing, ransomware and wire-fraud schemes. A single incident can mean lost revenue, notification costs and legal claims.

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Many small-business policies can be quoted online through NEXT Insurance. For larger, specialized or hard-to-place risks, send a request and we will shop it for you. Selecting "Get an Instant Business Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

Cyber liability insurance helps pay to respond to and recover from covered cyber incidents.

What cyber liability can cover

Breach response

Forensics, legal guidance, customer notification and credit monitoring.

Business interruption

Lost income when a covered cyber event takes your systems down.

Cyber extortion

Response to ransomware and extortion demands, subject to policy terms.

Privacy liability

Claims and regulatory actions arising from a data breach.

Things to consider

Insurers increasingly require multi-factor authentication and backups.
Social engineering and funds-transfer fraud may require a specific endorsement.
California has its own breach notification rules. Breach response coverage can help you follow them.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

Does my general liability cover cyber attacks?

Generally no. Cyber exposures are typically excluded from general liability and property policies.

Request a custom business quote

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Submitting this form does not bind or change coverage. Coverage is not in force until confirmed in writing by our agency or the insurer.

Jake Livingood

Licensed Agent · CA License #4135028

Send the form and I'll personally follow up during business hours.

Call (530) 813-9150

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