Cyber Liability Insurance — Protect Your Business From Data Breaches & Cyber Attacks
- In today’s digital world, every business is vulnerable to cyber risks. Cyber liability insurance helps you recover from data breaches, ransomware, phishing, and other cybercrimes by covering legal fees, recovery costs, and reputational damage. At Covella, we make cyber protection simple, fast, and affordable.
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs Cyber Liability Insurance and What Does It Cover?
- Every business with an online presence or handling sensitive data needs cyber liability insurance. Whether you’re a small retail shop processing credit cards, a healthcare provider managing patient records, or an IT consultant storing client data in the cloud, your business is at risk of cyberattacks.
- A single incident—like a ransomware attack, phishing scam, or data breach—can cost millions in recovery, legal fees, and reputational damage.
- Cyber insurance helps cover those risks by providing:
- First-party protection: data recovery, ransomware payments, breach response, lost income from downtime, and customer notifications with credit monitoring.
- Third-party protection: legal defense, settlements, regulatory fines, and liability for exposed personal or financial data.
- High-risk industries include healthcare, finance, e-commerce, IT, and professional services, but in today’s digital economy, any business that uses the internet, stores information, or processes payments needs cyber coverage.
What People Say About Us
- "Covella made getting workers' comp coverage so easy. I got my quote in minutes and had my certificate the same day. No hassle, no runaround — just simple, professional service."
- Michael R.
- General Contractor
- "As a small restaurant owner, I didn't think I could afford workers' comp. Covella's pay-as-you-go option was perfect for my budget, and the team walked me through everything."
- Sarah T.
- Restaurant Owner
- "I've been in trucking for 15 years and this is the first time an insurance company actually made the process easy. Quick quotes, fair prices, and real people who care."
- James L.
- Trucking Company
FAQs
Any business that stores sensitive data, processes credit card payments, or operates online should carry cyber liability insurance. This includes small businesses, e-commerce stores, healthcare providers, financial services, IT consultants, and professional service firms. Even a single lost laptop, phishing email, or ransomware attack can put your business at serious financial risk.
Cyber insurance typically covers first-party and third-party losses. First-party coverage includes data recovery, ransomware payments, forensic investigations, business interruption costs, and customer notifications with credit monitoring. Third-party coverage includes legal defense, settlements, regulatory fines, and liability claims for exposed data.
Costs vary depending on your industry, business size, the amount of sensitive data handled, and your security measures. On average, small businesses pay between $100 and $250 per month. While this cost may seem significant, it’s minimal compared to the average $4.45 million cost of a data breach in 2023.
Yes. Data breach insurance is a type of first-party coverage focused on breach response—like customer notification and credit monitoring. Cyber liability insurance is broader, covering both first-party costs and third-party liabilities (such as lawsuits and fines) from cyberattacks or data leaks.
Small businesses are prime targets for cybercriminals because they often lack robust cybersecurity systems. In fact, 43% of cyberattacks target small businesses. Cyber liability insurance provides financial protection, ensures regulatory compliance, and helps you recover quickly from cyber incidents—so a single attack doesn’t shut your business down.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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