Cyber Liability Insurance

Companies are increasingly at risk from exposures that originate from their use of technology. Cyber Liability includes any illegal activities using, or against, computer systems, computer networks, and the internet. Most forms of cyber policy either exclude or inadequately cover losses that arise from the use of the Internet, e-mail or networked systems. As a result, companies that are reliant on these technologies frequently find that they have inadequate protection, but only discover the deficiency when they need to make a claim. This can come as an expensive shock. Computer Crime policy or Cyber Crime policy covers losses that directly result from the use of a computer, and often focus solely on the transfer of property from within the company to parties outside of the company, or vice versa. Cyber Risk policy provides protection from crimes committed through the use of a computer by a company’s employees. Cyber Liability plan coverage is designed to protect IT businesses against liability and theft or loss of data, as well as liability and expenses arising from data privacy,   you are hosting client information. Cyber liability refers to an IT firm’s liability when it is responsible for the security and privacy of a client’s data stored on the IT firm’s servers.


  • Denial of service attacks or the inability to access websites or systems.
  • Unauthorized access to, use of, or tampering with data.
  • Disclosure of confidential data (invasion of privacy).
  • Malicious or accidental loss of data or digital assets.
  • Introduction of malicious code or viruses.
  • Cyber extortion or terrorism threats.
  • Personal media injury (defamation, libel, or slander) from electronic content.
  • Regulatory action, notification, or defense expenses.
  • Crisis management and public relations expenses.
  • Data or system restoration.
  • Business interruption expenses.

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