Coverage guide
Cyber liability insurance
Cyber insurance pays to respond when your business is hacked or customer data leaks: forensics, notifying the people affected, restoring systems, lost income while you are down, and claims from customers. On CoRisk, one cyber application goes to carriers including Coalition, CFC and NetGuard Select from Tokio Marine HCC, and you see their answers side by side.
Updated October 16, 2026
What does cyber insurance cover?
Policies differ by carrier, but most small-business cyber policies cover:
- Breach response: forensics, legal advice and notifying the people affected.
- Ransomware: getting your systems back, and the downtime while you do.
- Liability: claims from customers whose data was exposed.
- Lost income while your business is down.
Who needs cyber insurance?
Any business that holds customer data — names, card numbers, health or financial records — takes payments online, or has a client contract that requires it.
Which carriers quote cyber on CoRisk?
Cyber applications on CoRisk go to the connected cyber carriers, including Coalition, CFC and NetGuard Select from Tokio Marine HCC. Each one answers with a price, a referral to its underwriter, or a decline with its reason, and you compare them on one screen.
What will the application ask?
About the business and its revenue, and about your security: whether you use multi-factor authentication, keep backups and run endpoint protection. Answer honestly — a wrong answer here can put a claim at risk.
Frequently asked questions
Does general liability cover a data breach?
Usually not. Most general liability policies exclude data claims, which is why cyber is bought as its own policy.
Will the carrier ask about our security?
Yes. Expect questions about multi-factor authentication, backups and endpoint protection. Good controls can lower the price.
Can I buy cyber together with other coverage?
Yes. CoRisk quotes each line on its own application, so you can get cyber alongside workers’ comp or a business owner’s policy.
Who places this insurance?
Insurance bought through CoRisk is placed by Cennairus, LLC, a licensed wholesale insurance broker in Florida (NPN 8740024). CoRisk is not an insurer. About CoRisk