Cyber Insurance That Understands What’s at Stake

Whether it’s a phishing scam, ransomware attack, or rogue employee with access to sensitive data, the threat is no longer if. It’s when.

Vanasek Insurance provides cyber insurance and cyber liability protection for professional service firms, healthcare providers, municipalities, and small to mid-sized businesses that can’t afford to be offline, breached, or exposed.

We don’t just quote policies. We diagnose your real exposure and structure protection that actually works when you need it.

• What is Cyber Security?
• What is a cyber liability policy?
• What does a cyber liability insurance policy cover?
• Why cyber liability insurance?
• How much does a cyber liability policy cost?
• Get a free quote
• Schedule a free consultation

What is cyber security?

Cyber Security refers to the infrastructure and processes behind an organization’s network security. It involves the collection, storage, management, and sharing of information between people and devices both in-house and online. Cyber Security can also refer to policies or activities that protect data from cyberattacks and other vulnerabilities.

What is a cyber liability policy?

A cyber liability insurance policy helps protect your business in the event of a cyber security breach. Damages related to cyber security issues can be extensive, leading to legal fees and operational costs that may seriously affect your company’s growth and revenue stream. A cyber liability policy provides coverage options for these types of claims with up to $100 million in available limits.

What does a cyber liability insurance policy cover?

A cyber liability insurance policy can help cover your business from costs associated with a data breach that results in unauthorized access, exfiltration, corruption or disclosure of personal information. It can also protect against government investigations and penalties resulting from any breaches. Your coverage options depend on the size, scope, and potential impact of your business.

The right policy should protect you from:

• Ransomware and extortion events
• Data breaches involving client or employee information
• Business interruption losses from cyberattacks
• Forensic and legal response costs
• Third-party liability if your breach affects others
• Regulatory fines or HIPAA penalties
• Social engineering and funds transfer fraud

And we make sure it includes real-world triggers, not legalese that gives the carrier wiggle room when it’s time to pay.

Our comprehensive cyber security coverage includes:

• Full suite of security apps including automated threat & intelligence alerts, DDoS mitigation, security benchmarking, ransomware protection, patch management, and more – available at no additional cost
• Breach Response
• Crisis Management Response
• Broad business interruption coverage
• Auto Cyber Liability Coverage
• Enhanced coverage for systems failure
• Enhanced coverage for computer replacement
• Enhanced coverage for bodily injury/ property damage
• Enhanced coverage for social engineering
• We cover the BYOD devices, IoT usage, and social media
• We also cover the cost of system upgrades and reputation repair

Who needs it?

Our clients include law firms handling sensitive client data, healthcare practices subject to HIPAA, cities, counties, and public agencies, private businesses with cloud-based systems or remote staff, and employers processing payroll, benefits, or HR records digitally.

If your business relies on email, servers, or the cloud to operate, it needs cyber insurance.

A cyber security breach can result in thousands of dollars in fines and expenses for your business. Oftentimes, those affected by the breach may file a lawsuit against you as well. Even if you are not sued or fined, chances are that your brand’s reputation will decline as news of the breach spreads, which will affect revenue and growth potential as well. In some cases, customers may choose to leave your business as a result.

Cyber liability insurance can help protect your company from these potential financial consequences by covering those costs that the general-liability policy excludes. This coverage is typically required for companies doing business within certain industries such as professional services, financial services, and technology.

How much does a cyber liability policy cost?

The cost of a cyber liability policy depends on your specific needs and the particularities of your business. Our flexible plans can be customized to meet your company’s size, location, business structure and many other factors including:

• Line of business
• E-commerce activity
• Types of devices
• Social media use
• Data storage and transmission volume
• Amount of data stored online, in transit, or in the cloud (if any)
• Presence in any regulated industry such as finance or healthcare that may require security compliance.

Why Vanasek?

We understand both insurance and risk infrastructure. We cut through jargon and policy fluff to give you straightforward risk assessment, policies that match your system architecture, fast quoting from A-rated carriers, and support when the breach actually happens, not after.

Don’t let hacker wipe out your business

We’ll help you secure the right coverage before you need it.

REQUEST A CYBER QUOTE

Schedule a free consultation:

You can give us a call or schedule a free, no-obligation consultation for your business. Book an appointment with a cyber liability insurance expert at your earliest convenience now.

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