Cyber Liability Insurance Texas
Cyber liability insurance for Texas businesses that handle client data.
Data breaches, ransomware, and client notification costs are real exposures for small businesses. Cyber coverage addresses the gap your general liability policy doesn’t cover.
Independent agency • Multiple A-rated markets • Fast turnaround
Why your GL policy isn’t enough
- GL doesn’t cover data breach response costs
- GL doesn’t pay ransomware demands or recovery
- GL doesn’t cover client notification expenses
- GL doesn’t cover business interruption from a cyber event
- Cyber policies are designed to fill exactly this gap
What cyber liability insurance covers
Data Breach Response
Forensic investigation, client notification, credit monitoring, and PR costs after a breach of personally identifiable information (PII).
Ransomware & Extortion
Ransom payments (where insurable), IT recovery costs, and business interruption during a ransomware event.
Business Interruption
Lost revenue and extra expenses while your systems are down due to a covered cyber attack or network outage.
Network Security Liability
Third-party claims from clients whose data was compromised or whose systems were affected by a breach originating on your network.
Media & Privacy Liability
Claims arising from online content, copyright infringement, or violations of privacy regulations (HIPAA, CCPA, TCPA).
Social Engineering Fraud
Losses from phishing, fraudulent wire transfer requests, and business email compromise (BEC) attacks — available on most markets.
Good fit vs. not the right fit
Good fit
- Professional services: accountants, consultants, attorneys
- Healthcare & medical offices with patient records
- Tech companies, SaaS, IT service providers
- Retailers & restaurants that process payments
- Contractors who use cloud software & store client data
- Any business required by contract to carry cyber coverage
Not the right fit (or needs different market)
- Cash-only businesses with no digital records
- Very high-risk tech firms — needs specialist market
- Crypto exchanges — separate specialty coverage
- Government contractors needing CMMC compliance — call us
Who we write cyber coverage for
- Professional services firms
- Medical & dental offices
- IT & tech companies
- Accountants & financial advisors
- Real estate agencies
- Retailers & e-commerce
- Staffing & HR firms
- Nonprofits & associations
What helps speed up a cyber quote
- Annual revenue and number of employees
- Type of data collected (PII, PHI, payment card)
- Whether you have MFA enabled on key systems
- Prior cyber claims or incidents (if any)
- Whether you use cloud storage or third-party vendors
- Current security practices (backups, endpoint protection)
- Any contractual cyber requirements from clients
- Desired limits — $500K, $1M, $2M are most common
Most small business cyber policies quote in 24–48 hours. Complex risks or healthcare take longer.
Often paired with cyber coverage
Get your cyber liability quote
Tell us your business type and revenue — we’ll identify the best market and get you a bindable quote fast.