Cyber Liability Insurance

ProDefender cyber insurance works to prevent incidents before they occur, mitigate those that have happened, and provide post-incident support, including customer communications, legal defense, and representation before regulatory bodies.

Coverage that responds before, during, and after a cyber attack

As business increasingly relies on technology, both internally and to service clients, coverage gaps can emerge that traditional insurance policies don't cover. Cyber liability is one such area.

Most small and medium businesses are alarmed to learn that attackers aren't just focused on large companies. In fact, smaller businesses often are preferred targets because those who perpetrate cyber crime know that these companies do not have large security teams in place to thwart this activity. More than a third of cyber attacks (37%) target businesses with fewer than 100 employees¹.

While it's not always possible to stop a cyber attack on your business, cyber liability insurance presents a valuable risk management solution for many data and network risks by providing access to response teams with a clear focus on solving the wide variety of new cyber perils, including network outage, data loss/theft, or even cyber extortion demands.

While general liability and professional liability policies may offer reimbursement coverage, they typically do not provide assistance with the response to an actual cyber event. Not responding properly could affect your reputation, do damage to your bottom line, and prompt fines by regulatory agencies. With daily cyber attacks numbering in millons², is it worth the risk of navigating an incident on your own? Get support and protection with ProDefender Cyber Liability Insurance.

¹ StrongDM, 35 Alarming Small Business Cybersecurity Statistics for 2025, https://www.strongdm.com/blog/small-business-cyber-security-statistics

² Microsoft, Cost of a Data Breach Report 2025

Active insurance protection that responds to known threats as well as new / emerging / evolving threats
Emphasis on prevention through security assessments and consultation
Premium savings incentives for policyholders that improve their security posture
Coverage bundles and optional endorsements allow insurance to be tailored to each customer's needs
Protection against third-party data breaches (e.g., a vendor or service provider) that imact a policyholder's business
Insurance available in all states to companies that utilize technology to conduct business, but are not classified as technology companies

ProDefender cyber liability insurance policies respond to the following threats and in the following ways:

Digital Crime

First-of-its-kind bundle of coverages protects your company from various types of digital crime, including:

Electronic transfer of funds
Telephone toll fraud
Cyber extortion
Deceptive transfer
Ransomware
AI phishing

Breach Liability

Broad liability coverage for any suits or demands related to cyber that result in a loss to your company, including:

Privacy liability
Website media liability
Regulatory actions
Payment card industry (PCI)

Breach Rectification

Coverage designed to get your business back on track as quickly as possibly all while protecting your company's brand and reputation. The coverage suite includes:

Data breach team
Business interruption
Digital asset recovery

Expert Guidance

In the event of a security breach, a privacy attorney will be assigned to the case and promptly respond to and investigate any suspected or actual event. You can be assured of discretion because your interactions with the attorney will be subject to attorney-client privilege.

Upon finding that a breach has occurred, the Response Team will:

Work closely with the policyholder and, when warranted, forensic and crisis management consultants to identify the cause of the breach, determine its scope, and formulate the appropriate response to the incident.
Position communications so they are protected by work product privileges in order to minimize the amount of information that must be made available to third parties in the event regulatory action or litigation ensues.
Coordinate with law enforcement where appropriate.
Formulate compliant notification letters to affected individuals and implicated regulatory bodies.
Identify and retain, where appropriate, credit/identity monitoring and restoration services to be offered to affected populations.
Arrange for the appropriate call centers and FAQs to respond to inquiries.
Develop and manages appropriate responses to post-notice inquiries received from affected individuals and regulators.
Defend policyholders during formal regulatory and payment card industry investigations and enforcement actions, and in the event of a class action or other litigation.