Cyber Liability Insurance

Nationwide cyber liability insurance for small and mid-sized businesses. One-page application. Immediate carrier indications. Access to 20+ markets including specialty cyber carriers. If your business handles customer data, processes payments, sends wire transfers, or relies on email and connected systems to operate, you need cyber liability insurance.

Get Your Free Cyber Quote

Who Needs Cyber Liability Insurance?

If your business has email, a website, a database, a payment system, or a single connected device, you have cyber exposure. Roughly 43% of cyberattacks target small businesses, and the average small-business breach costs over $100,000. Most do not survive a major event without insurance.

Cyber liability is increasingly required by client contracts, vendors, lenders, and even riders on other commercial policies. We help businesses across the United States protect themselves before, during, and after a cyber event.

Industries we work with most often

• Manufacturing and distribution operations with vendor portals, EDI connections, and CMMC compliance exposure
• Construction firms, general contractors, and subcontractors handling project documents, bid information, and wire transfers
• Real estate brokerages, property management companies, and HOA boards holding tenant and owner data
• Professional services firms including CPAs, attorneys, consultants, and architects
• Healthcare practices and assisted living facilities subject to HIPAA
• Retail and e-commerce operations with PCI-DSS exposure
• Technology companies, SaaS providers, and IT service firms

What Cyber Liability Insurance Covers

A modern cyber liability policy includes both first-party coverage (your own losses) and third-party coverage (claims brought against you). Most policies bundle them together by default, with optional endorsements for higher-risk exposures.

First-Party Coverage (Your Own Losses)

• Breach response: forensic investigation, legal counsel, customer notification, credit monitoring, and call center support
• Ransomware and cyber extortion: ransom payments, negotiation, data recovery, and system rebuild
• Business interruption: lost income and extra expense during system downtime caused by a covered cyber event
• Data restoration: cost to restore corrupted, lost, or stolen electronic data
• Funds transfer fraud: unauthorized electronic transfer of funds caused by hacking or fraudulent instruction
• Social engineering fraud: loss caused by deceptive communication that induces an employee to transfer funds or release sensitive information
• Reputation management: PR and crisis communication costs following a publicized event

Third-Party Coverage (Claims Against You)

• Network security liability: claims arising from a failure of network security, such as a virus transmitted to a client's system
• Privacy liability: claims from unauthorized release of personally identifiable information (PII), protected health information (PHI), or confidential corporate data
• Media liability: claims for content-related issues including defamation, copyright, or trademark infringement on your website or marketing
• Regulatory defense and penalties: legal defense and applicable fines from state attorneys general, HIPAA, GDPR, CCPA, and PCI-DSS investigations
• PCI fines and assessments: penalties from card brand contracts following a payment data breach

How Much Does Cyber Liability Insurance Cost?

Cost depends on industry, revenue, records held, security controls, and prior claim history. Higher-risk industries like healthcare and financial services pay more. Lower-risk operations like construction and trades typically pay less.

These are general industry ranges. Your actual premium may be higher or lower based on the carriers we shop and your specific operations. Through our one-page application, we can typically return a real quote in 24-72 hours, often same-day for simpler risks.

See our complete 2026 cyber insurance cost guide with premium ranges by industry, sample quote scenarios, and the 12 factors that drive your premium. 

Industry-Specific Cyber Exposure

Generic cyber policies often miss the specific exposures that drive losses in your industry. Here are the cyber risks that matter most for the businesses we work with.

Manufacturing and Distribution

Manufacturers face a unique combination of operational technology risk and supply chain exposure. A ransomware event that locks down production lines can cost six-to-seven figures in business interruption alone, well before any third-party claims. Vendor portals, EDI connections, and ERP integrations create attack paths that don't exist in other industries.

See our complete cyber insurance guide for manufacturers for cost ranges, coverage priorities, and a real claim scenario from the manufacturing sector.

If you bid on Department of Defense contracts, CMMC 2.0 compliance is now required, and many primes require subcontractors to carry cyber liability with specific limits. Coverage for production downtime, contingent business interruption, and cyber extortion is essential for manufacturers.

Construction and Contractors

Construction firms are increasingly targeted by funds transfer fraud and business email compromise. The combination of frequent wire transfers tied to project draws, multiple subcontractor payments, and email-based vendor communication makes the industry particularly vulnerable.

Common scenarios we see: a fraudster spoofs a subcontractor's email and provides updated banking instructions. The contractor's accounting team wires the next payment to the fraudulent account. The funds are gone within hours. Cyber liability with strong social engineering and funds transfer fraud coverage is the only reliable protection against this loss type. Many GCs and project owners now require cyber insurance from subcontractors as a contract condition.

Real Estate and Property Management

Real estate brokerages and property management firms hold an unusually rich data set: tenant Social Security numbers, bank account information for ACH rent collection, owner financial records, and HOA board member personal information. Wire fraud at closing remains one of the most common and costly cyber events in real estate, with losses regularly exceeding $250,000 per incident.

Coverage priorities for this segment: privacy liability for tenant data exposure, social engineering coverage for closing wire fraud, and breach response for managing notification across hundreds or thousands of affected residents.

Why Pro Insurance Group for Cyber Liability

Most agencies treat cyber as an afterthought. We treat it as a core specialty because the exposure is real, the carriers are specialized, and the claim process matters more than almost any other coverage we sell.

One-page application, immediate indications

Most cyber applications run 8-15 pages and take days to complete. We use a single one-page application that captures everything our carriers need to indicate. For most businesses, we can return real coverage indications immediately through our carrier portal access. From completed application to bound coverage typically takes 24-72 hours, with simple risks often quoted same day.

Access to 20+ carriers including specialty cyber markets

Cyber rates vary 30-50% across carriers for the same business and same coverage. We shop your account across our entire panel including specialty cyber-only carriers, standard market carriers with strong cyber programs, and program markets for niche industries.

Real claim support, not a phone tree

When a cyber event happens, you need someone who answers the phone, knows your account, and can engage the carrier's breach response team within minutes. Our agents are reachable directly, and we coordinate with carrier breach hotlines, forensic teams, and legal counsel to keep the response moving while you focus on running your business.

Nationwide licensing across 40+ states

Pro Insurance Group is licensed in Illinois and 40+ additional states. Whether your operations are single-state or multi-state, we can quote, bind, and service cyber liability coverage for your business.

Cyber Liability Insurance FAQs

Get Your Cyber Liability Quote Today

Our one-page application typically takes 5-10 minutes to complete. Most businesses receive immediate carrier indications, and we deliver bound coverage in 24-72 hours.

Call 833-776-4671, email info@proinsgrp.com, or request a quote online to get started. We are licensed in Illinois and 40+ additional states and serve businesses nationwide.

Get Your Free Cyber Quote