Cyber insurance for small business.

The two losses that actually happen

Two events drive most small business cyber claims. The first is funds transfer fraud, a spoofed email that reroutes a payment you were going to make anyway. The second is ransomware, where systems are locked and the real cost is the recovery and the downtime, not just the ransom.

Neither is exotic, and neither depends on your business being large or high profile. They happen because payments are manual and controls are thin, which is exactly the profile of most small businesses.

The BOP endorsement problem

Most owners believe the cyber endorsement on their business owners policy means they are covered. For the losses above, it usually will not fully respond. The endorsement is often small, and the coverage most likely to be needed, social engineering, is frequently sublimited or excluded. This is the single most common gap we find, and the one worth checking first.

Are you even insurable

Carriers now look for basic controls before they offer good terms: multi-factor authentication on email and remote access, tested backups, and reasonable email security. The value of an independent guide here is getting you insurable, not just quoted, so the coverage is affordable and the application is answered honestly.

How we quote it

Cyber quoting is fast when the exposure is clear. We take a short profile of how your business runs, compare the market, and show you the endorsement against a standalone so the decision is informed. For a real quote or a coverage question, the fastest path is to get a quote or to compare your current coverage.