Florida Cyber Liability Insurance

No business is too small. If you own a restaurant and credit card information is taken from your point-of-sale system, you are liable. If you own a coffee shop and a customer's information is stolen while they are on your Wi-Fi, you are liable too.

Cyber liability insurance helps you recover when that happens.

A cyber policy can include business interruption, forensic data recovery, ransomware coverage and the cost of notifying the people affected. After a breach it also gives you access to a team of experts, and a loss of reputation endorsement can soften the blow to your business.

Social engineering, where a criminal pretends to be a company executive and asks an employee to send money, is usually a supplemental coverage with a limit. That limit often falls between $25,000 and $100,000.

Usually not. Coverage on your physical property does not translate to a cyber loss, so the business interruption on your property policy will not pay for downtime caused by a cyber attack.

Cyber coverage added to a general liability or business owner's policy is also unlikely to be enough after even a modest incident. A separate cyber policy, with its own terms and definitions, is usually the stronger choice.

Ransomware, malware, denial-of-service attacks and social engineering. Ransomware locks you out of your files, or threatens to leak them, until you pay. Malware is the umbrella term for any software built to disrupt or harm a device or network.

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