Commercial Insurance
Digital Risk Requires
Real Protection
Cyber insurance structured around your technology stack, data exposure, and regulatory environment — not a checkbox policy.
The average cost of a breach exceeds $4 million. We structure programs that respond the way you need them to.
Our Process
Assess. Structure. Respond.
We assess your technology risk profile, data exposure, and existing policy terms to build a cyber program that responds at the speed a breach demands.
Our advisors review your data environment, technology vendors, and current cyber policy to identify gaps in first-party response, third-party liability, and the increasingly common social engineering exposures.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Technology risk exposure assessment
- First-party vs. third-party gap analysis
- Policy form quality review
- No obligation to proceed
Cyber Program Analysis
Program Comparison
Current Program
$21,000
Optimized Structure
$24,000
Your Cyber Proposal
Review your customized cyber coverage recommendations
First Party
Current Coverage
Basic Breach Response
Annual Premium
$12,400
Proposed Coverage
Full Incident Response
Annual Premium
$10,200
Why It Matters
No business is too small to be attacked.
Ransomware, phishing, and data breaches hit businesses of every size. A properly structured cyber policy covers the response costs, lost income, and third-party liability that standard commercial policies explicitly exclude.
What We Cover
Every Cyber Exposure, Addressed
From breach response to ransomware to business interruption — your full digital risk profile, covered.
Data Breach Response
Covers the full cost of responding to a data breach — from forensic investigation and legal counsel to customer notification and credit monitoring.
Coverage Includes
- Forensic investigation costs
- Legal and regulatory counsel
- Customer notification expenses
- Credit monitoring services
Ransomware & Extortion
Covers ransomware payments, extortion demands, and the costs of recovering encrypted data and restoring compromised systems.
Coverage Includes
- Ransom payment coverage
- Cyber extortion response
- Data and system restoration
- Crisis management support
Business Interruption
When a cyber event forces your systems offline, business interruption coverage replaces lost income and covers the extra expenses of getting back online.
Coverage Includes
- Lost revenue from system outages
- Extra expenses to restore operations
- Dependent business interruption
- Extended recovery period costs
Cyber Liability
Covers third-party claims arising from a data breach or cyber incident — including regulatory fines, lawsuits from affected customers, and privacy violations.
Coverage Includes
- Regulatory fines and penalties
- Third-party lawsuits
- PCI DSS assessments
- Privacy liability claims
Who We Serve
Every Industry Has Cyber Exposure
If you handle data, process payments, or rely on technology to operate — you need cyber insurance structured for your specific risk.
Healthcare & Finance
HIPAA and financial regulations create strict breach response requirements. We build programs that meet regulatory timelines and penalties.
Professional Services
Law firms, accountants, and consultants handle sensitive client data daily. Cyber liability is essential for client contracts and professional standards.
Retail & Technology
E-commerce, POS systems, and cloud-based operations create significant ransomware and data theft exposure requiring specialized cyber coverage.
Your data deserves coverage that responds at breach speed.
No obligation. Confidential review. Built around your technology risk.