Protection in the Digital Age
Comprehensive cyber liability insurance for New Jersey businesses. Protect against data breaches, ransomware, and cyber attacks with coverage designed for today's digital risks.
Cyber attacks are one of the fastest-growing threats to businesses today. From ransomware that locks your systems to data breaches that expose customer information, the risks are real and expensive. The average data breach costs small businesses over $200,000 – enough to put many companies out of business.\n\nCyber liability insurance provides crucial protection that general business policies don't cover. Beyond financial protection, you get access to expert response teams who help minimize damage and get you back in business quickly. Don't wait until after an attack to discover you're not covered.
Coverage for the full spectrum of cyber risks
Coverage for notification costs, credit monitoring, and PR expenses after a breach
Protection against ransomware attacks and extortion demands
Lost income coverage when cyber attacks disrupt your operations
Costs to restore or recreate data and software damaged by cyber attacks
Defense and damages when clients sue over compromised data
Coverage for penalties and fines from privacy law violations
More than insurance – a complete cyber risk solution
Coverage for first-party losses and third-party liabilities from cyber incidents.
Access to IT forensics, legal counsel, and PR specialists when breaches occur.
Prevention resources and employee training to reduce cyber vulnerabilities.
Common attacks that threaten businesses every day
Malicious software that encrypts your files and demands payment for the decryption key.
Unauthorized access to customer data, employee records, or proprietary information.
Sophisticated scams that trick employees into transferring funds or sensitive data.
Get a cyber liability quote and secure your business against digital threats.
If you store customer data, accept payments, or rely on computer systems, you need cyber insurance. 60% of small businesses fail within 6 months of a cyber attack. Every business is a target, regardless of size.
General liability excludes most cyber risks including data breaches, cyber extortion, and digital business interruption. You need dedicated cyber coverage for these modern threats.
Coverage includes ransomware, data breaches, hacking, malware, phishing attacks, employee errors, lost devices, and system failures. Policies cover both malicious attacks and accidental data exposure.
Coverage needs depend on the amount of sensitive data you handle, your industry regulations, and your technology dependence. Most small businesses need at least $1 million in coverage.