Inside a Cyber Insurance Policy
Cyber insurance is made up of multiple coverage parts. each coverage element plays a vital role in helping your organization recover quickly and confidently. Explore the key components below to better understand how cyber insurance safeguards your digital operations.
Cyber Insurance Coverages
Cyber insurance policies can vary significantly between carriers in terms of coverage
Data Breach Response
Covers the costs of responding to a data breach, including forensic investigations, customer notification, credit monitoring, and legal support.
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Business Interruption
Compensates for lost income and extra expenses incurred when a cyber incident disrupts operations or shuts down your computer systems.
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Cyber Extortion
Provides coverage for ransom payments (where legally permitted) and the cost of restoring access to systems and data.
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Digital Asset Restoration
Covers the costs of responding to a data breach, including forensic investigations, customer notification, credit monitoring, and legal support.
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Network/Privacy Liability
Provides financial protection in the event a company is held legally responsible for a data breach or privacy violation involving third-party data.
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Media Liability
Covers risks related to online content, including defamation or libel, copyright infringement, and unauthorized use of intellectual property.
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Cyber Crime
Covers direct financial losses from phishing, business email compromise and cyber-enabled crimes like wire fraud, impersonation scams, or fraudulent fund transfers.
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System Failure
Protects against downtime or disruptions caused by accidental errors, technical failures, or internal system issues, rather than by a cyberattack
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PCI DSS Liability
Helps businesses respond to and recover from a payment card data breach—especially when they’re required to comply with PCI DSS regulations.
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Reputational Harm
Covers the cost of crisis communication, Public Relations firm, and brand repair following a an adverse media publication due to a cyber event or data breach.
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Invoice Manipulation
Covers financial losses resulting from fraudulent changes to legitimate invoices stemming from Business Email Compromise (BEC).
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First & Third-Party Coverage
Covers your expenses (ie, breach or ransomware) and protects your business for third-party covered costs.
Ready to Protect What You’ve Built?
- Complete our quick Quote Request form – Takes just a few minutes.
- Access our Cyber Insurance Rating System – View and compare quotes instantly.
- Select your policy and get covered – Fast, simple, secure.
Click below to get started with your quote or Chat with or Call Ryskara AI, our Cyber Quote Assistant. Ryskara is ready when you are.
