Your guide to
Cyber Insurance in Texas
If your business uses email, takes card payments or stores customer information, it can face cyber risks. Our agency helps you understand what cyber insurance may cover and how it differs from your other business policies.
What it covers
Common cyber insurance coverages
Cyber policies often combine help with your own losses and protection against claims from others. Coverage varies a lot between policies, so each part is worth reviewing.
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Data breach response
Can help pay for investigating a breach, notifying affected people and related services, depending on the policy.
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Cyber extortion
May help you respond to ransomware and other extortion threats, subject to the policy's terms and conditions.
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Business interruption
Can help replace income lost when a covered cyber event shuts down your systems for a period of time.
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Data restoration
May help cover the cost to restore or recreate data and systems damaged in a covered incident.
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Cyber liability
Helps with claims from customers or others whose private information was exposed while in your care.
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Social engineering fraud
Some policies offer coverage, often with lower limits, when someone tricks your business into sending money, such as with a fake invoice email.
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Why it matters
Your other policies may not respond to cyber events
General liability and property policies often exclude or strictly limit losses from data breaches and cyber attacks. Even a small business can be targeted, and responding to an incident can take time and outside help.
Insurers commonly ask about security practices such as multifactor authentication, backups and employee training when reviewing an application. We can help you understand the questions and compare coverage options.
Read how a cyber policy handles social engineering and funds transfer fraud, since limits for those losses are often lower.
Common exposures
Signs your business may have cyber risk
- Accepts card payments
- Stores customer information
- Sends invoices by email
- Sends or receives wire transfers
- Keeps employee records
- Runs a website or online store
Security steps insurers often ask about
- Multifactor authentication
- Regular backups
- Software updates
- Employee training
- Email filtering
Answers
Cyber insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Businesses of any size can experience phishing, ransomware or data breaches. Cyber insurance does not prevent an attack, but it may help with costs and response afterward.
General liability policies often exclude or limit data breach losses. Cyber insurance is designed for these risks, so it helps to review both policies together.
It helps to know what data you keep, how you take payments, how you back up your systems and what security tools you use. We can walk through the questions with you.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.