The digital exposure a property policy does not touch.

Commercial real estate has gone digital: building systems on networks, rent and deposits collected online, tenant and financial data in the cloud, and wire instructions moving by email. Each of those is an exposure a property policy was never written for. Cyber insurance is the coverage for the breach, the fraud, and the system attack that increasingly reach property owners.

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Cyber insurance covers the costs of a data breach, a network attack, and certain funds-transfer fraud, incident response, notification, liability, business interruption, and sometimes ransom and social-engineering loss, none of which a commercial property or general liability policy covers. For owners running connected building systems, online payment portals, and email-driven transactions, it has moved from optional to relevant.

Why property owners now have cyber exposure

Modern commercial real estate runs on systems: networked HVAC, access control, and building automation; online portals for rent, deposits, and applications; and email threads that carry wiring instructions on acquisitions and refinances. Each creates a path for a breach, a ransomware attack that locks building systems, or a fraudulent wire that diverts funds. The exposure grew quietly as operations digitized, while the property policy stayed focused on physical perils.

What cyber covers that property does not

A property policy responds to fire, water, and wind, not to a hacked building-automation system, a breach of tenant data, or a social-engineering wire fraud. Cyber covers the response and liability side of those events: forensic investigation, notification and credit monitoring, regulatory exposure, lost income from a system outage, and, depending on the policy, ransom payments and funds-transfer fraud. It is a distinct category, not an extension of property coverage.

Sizing it to how you operate

The right cyber coverage depends on how digital the operation is: the amount of tenant and financial data held, the reliance on connected building systems, the volume and size of electronic funds transfers, and the in-house versus outsourced IT setup. A small owner with a simple setup needs less than a portfolio operator running smart buildings and a payment portal. We scope it to your actual digital footprint, with attention to the funds-transfer feature that real estate transactions make critical.

Frequently asked

Cyber insurance, answered.

Why would a property owner need cyber insurance?

Because commercial real estate now depends on connected building systems, online rent and deposit collection, stored tenant and financial data, and email-driven transactions, all of which a property policy ignores. A breach, a ransomware lockout of building systems, or a fraudulent wire can hit an owner directly, and cyber is the coverage built for those events.

Does my property or liability policy cover a data breach or ransomware?

No. Standard commercial property and general liability policies are built for physical perils and bodily injury or property damage, not for breaches, network attacks, or funds-transfer fraud. Those exposures require a dedicated cyber policy.

What about wire fraud on an acquisition or refinance?

That is a real and growing exposure, since real estate transactions move large sums by email on tight deadlines. Cyber policies can cover social-engineering and funds-transfer fraud, though the feature and sublimit vary, so it has to be confirmed rather than assumed. Strong verification controls remain the first line of defense.

How much cyber coverage does a property owner need?

It scales with your digital footprint: the data you hold, your reliance on connected systems, and the volume of electronic payments. A simple operation needs modest coverage; a portfolio with smart buildings and an online portal needs more. We size it to how the business actually runs.

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Is your digital exposure covered, or just your building?

Take a few minutes and we will look at your building systems, payment portals, and transaction email, and tell you where a breach or a fraudulent wire would land.

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We map your connected systems, data, and payment flows

We check whether wire-fraud and funds-transfer are covered

We size cyber to your real digital footprint

You get a clear read on your cyber exposure

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