Data breaches. Ransomware. Social engineering. The cyber threat landscape has never been more dangerous — or more costly. NextGuard Insurance delivers comprehensive cyber liability coverage to keep your business protected and running.
Takes less than 2 minutes. No obligation.
A NextGuard specialist will be in touch within 1 business day with your personalized cyber liability quote.
Cyber liability insurance is a specialized policy that protects your business from the financial fallout of cyber incidents — both costs you incur directly (first-party) and claims made against you by others (third-party).
Covers your own losses — breach response costs, forensic investigations, ransomware payments, data recovery, business interruption, and crisis PR to protect your reputation.
Covers claims from customers, partners, or regulators — including breach notification obligations, regulatory fines, civil penalties, and defense costs from lawsuits.
Comprehensive protection across the full spectrum of cyber risks your business faces every day.
Covers breach notification costs, credit monitoring services, public relations expenses, and legal fees required when customer or employee data is compromised.
Covers ransom payments (where legally permitted), negotiation services, and remediation costs when attackers hold your systems or data hostage.
Replaces lost income and covers extra expenses when a cyber incident forces your operations to slow or shut down — including cloud provider outages.
Covers regulatory investigations by the FTC, state attorneys general, and applicable civil penalties, including HIPAA, CCPA, and PCI-DSS violations where insurable.
Full limit coverage for forensic investigation costs to identify the cause, scope, and impact of a breach — critical for legal defense and regulatory response.
Covers financial losses from fraudulent wire transfers, invoice manipulation, and business email compromise (BEC) attacks targeting your employees.
Covers third-party claims arising from online content — including defamation, copyright infringement, and advertising injury on your website or social media.
Pays to replace, restore, or recreate digital assets — including files, databases, and software — damaged or destroyed by a security failure or malware attack.
Covers public relations consulting, media buys, and crisis communications costs to restore customer confidence and protect your brand after a cyber event.
Covers technical analysis, legal takedown efforts, and crisis communications to respond to deepfake attacks impersonating your leadership or brand.
Covers the cost of replacing computer hardware permanently damaged or rendered unusable by malware — sometimes called "bricking" coverage.
Covers claims arising from your failure to protect data under a payment card processing agreement, service provider contract, or other data-handling obligations.
Cyber threats don't discriminate by industry. NextGuard Insurance has tailored solutions for businesses across every sector.
From quote to coverage in as little as 24 hours.
Fill out our quick form with basic info about your business. Takes less than 2 minutes — no lengthy applications.
A NextGuard cyber liability specialist will review your needs, ask a few questions, and build the right coverage for your risk profile.
We present options from top-rated carriers with clear explanations of what's covered, deductibles, and limits — no surprises.
Bind your policy and receive your certificate of insurance. If an incident occurs, our claims team is with you every step of the way.
Everything you need to know about cyber liability insurance.
Cyber liability insurance covers a wide range of cyber incidents including data breaches, ransomware attacks, hacker damage, cyber extortion, business interruption, regulatory fines, breach notification costs, computer forensics, social engineering losses, multimedia liability, and third-party liability claims arising from a security failure.
Generally, no. Standard commercial general liability (CGL) policies typically exclude electronic data and cyber-related losses. Cyber liability insurance is a separate, specialized policy designed specifically for these risks. Without it, your business is exposed to potentially devastating uninsured losses.
Premium depends on your industry, annual revenue, number of records you handle, existing security controls, and desired policy limits. Retentions typically range from $5K to $25K scaled to your revenues. Many small businesses can secure solid coverage starting under $1,000/year. Contact us for a personalized quote.
Yes. Cyber liability policies typically cover ransomware payments where legally permissible, plus the cost of negotiation services, data recovery, system restoration, and business interruption losses caused by the attack. Coverage terms vary by carrier, so it's important to review your policy details carefully.
Absolutely. Over 70% of cyber attacks target small and mid-size businesses because they tend to have weaker defenses. A single breach can cost hundreds of thousands of dollars in notification, legal, and recovery costs — enough to close most small businesses. Cyber insurance is one of the most cost-effective protections available.
NextGuard provides cyber liability coverage across a broad range of industries including healthcare, financial institutions, technology companies, retailers, manufacturers, hospitality businesses, media companies, legal and professional services firms, educational institutions, non-profits, and public entities — and more.
Don't wait until after an incident to think about coverage. Get your personalized cyber liability quote today — it takes less than 2 minutes.
Fill out the form and a specialist will reach out within 1 business day.
A NextGuard cyber liability specialist will be in touch within 1 business day with your personalized quote.