General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
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Commercial Lines
Cyber Liability Cyber
Protection related to data breaches, ransomware, and other cyber incidents.
Cyber insurance helps when someone gets into your systems, locks your files, or steals customer information. It is not a computer repair plan. It is a claim-and-response policy for digital accidents.
How it works
Even a small firm that emails invoices, stores client files in the cloud, or takes cards has a cyber exposure. A typical policy can help with the first-party costs — forensic IT, notifying customers, credit monitoring, ransom considerations, and lost income while systems are down — and with third-party claims if clients say their data was exposed. We look at how you back up data, whether you use multi-factor login, and what kind of information you actually hold. Carriers care about those details. So should you.
Who this is for
- Professional firms that keep client files
- Retailers and offices that process payments
- Any business that uses email and cloud software
- Companies whose clients now require cyber limits in a contract
What it typically covers
- Breach response and investigation costs
- Business interruption from a covered cyber event
- Liability to customers after a data incident
- Ransomware-related costs, when the policy includes them
A simple example
A ransomware attack freezes the office for four days and a client list is copied. Cyber coverage can help pay the response team, notification, and lost income. A BOP generally will not.
Good to know
- A general liability or BOP policy is not a substitute for cyber.
- Poor backups and shared passwords make both the risk and the underwriting harder.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before renewing commercial liability
Limits, additional insureds, class codes, and the claims that actually blow through a $1 million GL policy.
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