Cyber Liability

Businesses today face relentless and evolving digital threats long before a data breach ever makes headlines. Cyber claims commonly stem from ransomware attacks, funds transfer fraud, account takeovers, invoice manipulation, or crippling system failures that halt daily operations. To help mitigate these exposures, we offer Safe Enterprise Cyber Liability coverage tailored to businesses with up to $100 million in revenue across a wide range of industries. Think of it as vital protection for the many sectors relying on digital infrastructure and sensitive data: commercial banking and finance, manufacturing, wholesale and retail trade, construction, professional services, and more. All are vulnerable to costly incidents tied to data restoration, extended business interruption, and the theft of client funds.

Business Risk Partners offers comprehensive, standalone cyber coverage with limits up to $5 million. With robust protections, including cybercrime sublimits up to $500,000 and business interruption coverage without restrictive sublimits for system failures, it’s easy for us to meet specific operational needs. Your clients can move forward with confidence knowing their coverage is backed by the financial strength of our A.M. Best A+ rated partner.

Cyber Insurance for businesses with up to $100 Million in Revenue
   • Standalone policy with full cyber coverages including ransomware, income loss, and data restoration
   • Paper provided by Lloyds A.M. Best A+ “Stable Outlook”

Limits: up to $5M
Minimum Premium: $5,000

Coverage Highlights

• Cybercrime coverage limits up to $500k.
• Theft of Client Funds:
  • Coverage for loss of funds from both the insured's financial accounts and client accounts under the trust and control of the insured.
• Extended Business Interruption:
  • Coverage for income loss includes consequential loss
  • Income loss incurred after the period of restoration expires is not excluded
  • Dependent business interruption is not sub-limited
  • System failure is not sub-limited
  • Dependent system is not sub-limited

Sublimits

• Most coverages are offered at limits equal to the aggregate limit, with the following exceptions:

  Cybercrime and Social Engineering

  • Up to $500,000 Funds transfer fraud
  • Up to $500,000 Account takeover fraud
  • Up to $500,000 Utility theft
  • Up to $500,000 Invoice manipulation and fraudulent inducement
    
    

Our Appetite

• Agriculture, Forestry, Fishing and Hunting
• Mining, Quarrying
• Oil and Gas Extraction
• Construction
• Manufacturing
• Wholesale & Retail Trade
• Transportation and Warehousing
• Information (Motion Picture, Video Production, Sound Recording Studios, Newspaper, Music, Book Publishers, Libraries, Archives, etc).
• Finance and Insurance (Commercial Banking, Savings Institutions, Sales Financing, Mortgage Brokers, Investment Banking, Portfolio Management, Insurance Agencies, Trusts)
• Social Assistance (Services for the Elderly, Vocational Reb Services, Child Care Services)
• Real Estate and Rental/Leasing
• Professional, Scientific, and Certain Technical Services
• Management of Companies and Enterprises
• Administrative and Support and Waste Management and Remediation Services
• Arts, Entertainment, and Recreation
• Accommodation and Food Services
• And many more!
  • Call us with any appetite questions!