Cyber Liability Insurance
Guardian Insurance Agency
Hackers don’t wait.
Breaches spread fast.
Costs mount faster.
Guard your data. Guard your business.
What this coverage does
Cyber liability helps pay for the damage when your systems or data are hit.
It covers your losses (first‑party) and claims against you (third‑party).
It keeps you moving while you fix what’s broken.
First‑party (your side)
- Incident response & forensics — find the breach, stop it, learn how.
- Data restoration — rebuild files, apps, and systems.
- Business interruption — replace lost income and pay extra expense during downtime.
- Cyber extortion (ransomware) — negotiators and payments, where permitted.
- Notification & call center — tell customers, set up hotlines, offer credit monitoring.
- PR/crisis management — protect your reputation.
- Regulatory response — help with investigations and penalties where insurable.
Third‑party (claims against you)
- Privacy liability — exposure of personal or confidential data.
- Network security liability — malware spread, denial‑of‑service, failure to secure.
- Media liability — online content risks (copyright, defamation).
- Contractual assessments — e.g., certain PCI‑DSS assessments (policy‑dependent).
What happens after a cyber‑attack
You notify affected people.
You pull logs and isolate systems.
You restore backups.
You face extortion demands.
You answer regulators.
You pay damages and defense costs.
Without coverage, each step can drain cash and time. With coverage, you have a playbook and funding to execute it.
Why insurers also help you prevent loss
Good policies come with risk assessments, training, and toolkits.
They flag weak points—no MFA, stale patches, poor backups—and help you fix them.
Better controls can lower premiums and prevent the next breach.
Smart controls to put in place
- MFA on email, VPN, admin accounts.
- Offline/immutable backups + tested restores.
- Endpoint protection/EDR, email security, web filtering.
- Patch management and vulnerability scanning.
- Least‑privilege access and vendor risk checks.
- Employee phishing training and clear incident playbooks.
What sets the price
Your industry and data types.
How much data you hold.
Security controls in place.
Claims history and ransomware exposure.
Limits, deductibles, and endorsements you choose.
What’s usually not covered (or limited)
- Known or prior incidents before the policy starts.
- Fraud you knowingly commit, criminal acts, or personal profit.
- War/terrorism and some nation‑state attacks (policy wording matters).
- Bodily injury/property damage (that’s General Liability).
- Hardware replacement for normal wear or betterment.
- Certain regulatory fines where not insurable by law. (We’ll read the fine print and close gaps.)
The Guardian way
We review your systems, contracts, and data flows.
We right‑size limits. We add the riders you need.
We pair coverage with controls—so one breach doesn’t end the story.
Guardian Insurance Agency — Proper protection—prior to peril.
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