Cyber

Cyber insurance has become one of the most essential coverages for small and low mid-market businesses since cyberattacks are now a common occurrence in the U.S.  Whether it's ransomware, phishing, business email compromise, or data breaches, these events are happening daily and increasingly targeting businesses that lack enterprise-level cybersecurity defenses. Cyber insurance is designed to respond to these events, covering expenses like breach response, legal liability, data restoration, system repair, business interruption, and even regulatory fines. Data consistently shows that smaller firms are often hit the hardest because they don’t have the internal resources to absorb or recover from a serious cyber event.

For brokers, Cyber insurance is not just a modern necessity—it’s a competitive differentiator. Many clients still falsely assume their General Liability or Property policy will respond to cyber losses, leaving them exposed. This is your opportunity to educate and protect your clients by offering tailored cyber solutions that reflect the evolving risk landscape. Whether they handle sensitive customer data, rely on cloud-based systems, or process digital payments, nearly every business today has a cyber exposure that needs to be addressed. By helping clients understand the financial and operational fallout of a cyberattack—and how a Cyber policy can provide critical protection—you reinforce your value as a trusted advisor in today’s digital-first economy.