Cyber Liability Insurance

Cyber risk is no longer an IT issue — it’s a business risk.

From data breaches and ransomware to business interruption and regulatory scrutiny, cyber incidents can cripple operations, damage reputations, and create serious financial exposure. Cyber Liability Insurance is designed to protect your business when digital threats turn into real-world losses.

At Bozzuto Group, we structure cyber programs for complex, highly regulated, and emerging industries — not generic, one-size-fits-all policies.

Who This Is For

Cyber liability coverage is critical for businesses that: - Collect, store, or process customer, employee, or patient data - Rely on digital systems to operate, sell, manufacture, or distribute - Accept online payments or use cloud-based platforms - Operate in regulated or emerging industries - Work with third-party vendors, SaaS platforms, or outsourced services

If your business would be disrupted by system downtime, data loss, or a cyber extortion event, cyber coverage isn’t optional — it’s essential.

What Cyber Liability Insurance Can Cover

Cyber policies can be customized, but commonly include protection for:

• Data Breaches & Privacy Liability
  Costs associated with unauthorized access, stolen data, notification requirements, credit monitoring, and regulatory defense.
• Ransomware & Cyber Extortion
  Payments, negotiations, forensic investigations, and recovery expenses following ransomware or extortion attacks.
• Business Interruption
  Lost income and extra expenses caused by system outages or cyber events.
• Network Security & Liability
  Claims arising from failure to prevent malware, viruses, or unauthorized access.
• Digital Asset Restoration
  Costs to restore or recreate corrupted, damaged, or destroyed data and systems.
• Media & Intellectual Property Liability
  Coverage for copyright infringement, defamation, and content-related claims.
• Incident Response Services
  Access to breach coaches, forensic teams, legal counsel, and PR professionals.

Common Cyber Claims We See

• Ransomware shutting down operations for days or weeks
• Phishing attacks leading to fraudulent wire transfers
• Compromised customer or employee data
• Vendor or software provider breaches impacting your business
• Regulatory investigations following a data incident

These claims affect companies of all sizes — not just large enterprises.

Why Bozzuto Group

Cyber insurance is only effective if it’s structured correctly.

We specialize in: - Complex and emerging industries - Businesses with evolving technology and regulatory exposure - Tailored coverage aligned with how your company actually operates

We don’t just place a policy — we help align coverage with your risk profile, contracts, and operational realities.

How We Build Your Cyber Program

Our process includes: - Understanding your data, systems, and operational dependencies - Evaluating vendor, cloud, and third-party risk - Structuring limits, retentions, and endorsements appropriately - Coordinating cyber coverage with E&O, D&O, and crime insurance

The result is a cyber program designed to respond when it matters most.

Protect Your Business from Digital Risk

Cyber threats aren’t slowing down — and neither should your protection.

If you’re unsure whether your current coverage is adequate, or you’ve never reviewed cyber liability insurance before, we can help.

Contact Bozzuto Group to evaluate and structure a cyber liability program built for your business.

Get a quote for Cyber Liability Insurance: Click Here