When Breaches Happen, We Cover You.

Premiums are based on your industry, annual revenue, number of employees, amount of sensitive data you handle, existing security controls (like MFA, encryption, and backups), and claims history. High-risk industries like healthcare and finance typically pay more. Our risk tool above gives you an instant estimate based on your profile.

Most businesses can get fully covered within 24–48 hours of completing our application. Simple SMB policies can bind same-day. Enterprise policies requiring risk assessment may take 3–5 business days. There is typically a 48-hour waiting period before business interruption coverage activates.

No — traditional general liability and property policies explicitly exclude cyber incidents. This coverage gap is exactly why standalone cyber insurance exists. Even "cyber endorsements" on GL policies typically provide minimal limits ($25K–$100K) that are insufficient for a real breach, which averages $4.88M in total costs.

Standard exclusions include: bodily injury or property damage from cyber events, losses from prior known breaches, intentional acts by the insured, infrastructure outages you caused yourself, and in some policies — state-sponsored / war-level attacks (though this is evolving). Always read your policy exclusions carefully — we highlight all exclusions in plain language before you sign.

Yes — small businesses are actually disproportionately targeted because they have weaker security but still store valuable data. 43% of cyberattacks target SMBs, and 60% of small businesses that suffer a significant breach close within 6 months. A $89/month policy can protect against a breach that could cost hundreds of thousands of dollars.