# Cyber Insurance | Supersure

> Supersure helps businesses get cyber insurance to help cover data breaches, ransomware, legal costs & more. Protect your business from cyber risks.

Canonical: https://www.supersure.com/business-insurance-coverage/cyber-insurance

Cyber insurance, also known as cybersecurity insurance, can help businesses address claims arising from data breaches, cyber-attacks, and digital incidents that could disrupt their operations.

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Cyber insurance can help cover certain costs related to technology incidents such as data breaches, cyber attacks, and system disruptions. Coverage can include costs like breach notifications, credit monitoring, legal defense, regulatory fines, ransomware response, and business interruption.

There are two major types of cyber insurance::

- **Data breach insurance**, which covers first party losses your business experiences.

- **Cyber liability insurance**, which covers third-party claims brought by customers, clients, or regulators affected by a cyber incident.

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- **Data Breach Response Expenses**
- **Ransomware and Cyber Extortion**
- **Legal Defense and Settlements**
- **Regulatory Fines and Penalties**
- **Business Interruption**
- **Data Recovery and Restoration**

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Cyber insurance can be helpful for businesses that store, process, or transmit sensitive data.

- **Retail Businesses**
- **Healthcare Businesses**
- **Service Professionals**
- **Schools & Nurseries**
- **Food & Beverage Businesses**
- **Fitness & Wellness Businesses**

While cyber insurance can help address digital and data-related risks, it typically does not cover many of the physical and operational risks handled by other insurance policies.

### Business Owners Policy (BOP)

A business owners policy can help cover property damage and third-party liability claims that unrelated to cyber incidents.

### General Liability

General liability insurance can help cover bodily injury and property damage claims that cyber liability insurance typically does not address.

### Commercial Property

Commercial property insurance can help cover buildings and physical assets from covered losses unrelated to data or cyber events.

### Workers’ Compensation

Workers’ compensation insurance covers employee injuries and illnesses that occur on the job, which cyber liability insurance does not cover.

### Commercial Auto

Commercial auto insurance can help cover vehicle-related accidents and liability outside the scope of cyber coverage.

### Professional Liability

Professional liability insurance can help cover claims tied to professional services, advice, or performance, which are typically not covered by cyber insurance.

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about cyber insurance.

### Is cyber liability insurance actually relevant for small businesses?

Often, yes. Cyber incidents can affect businesses of any size, and some small businesses may lack the resources to absorb data breach-related costs without insurance.

### Is ransomware covered under cyber liability insurance?

Many policies can cover ransomware response costs, including negotiation and recovery, subject to policy terms and conditions.

### What types of data can trigger cyber claims?

Personally identifiable information, payment data, and protected health information commonly trigger cyber claims.

### What is first-party vs. third-party cyber coverage?

First-party coverage addresses your direct losses, while third-party coverage responds to claims from other parties affected by a breach.

### Are cloud-based breaches covered?

Coverage may apply even when data stored in the cloud is breached, though responsibility and coverage depend on policy terms.

Talk to our team today and get started with your Supersure business insurance coverage.

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