Cyber insurance for breaches, ransomware and digital fraud
Cyber insurance covers the losses that general liability, E&O and crime policies were never written for: a breach, a ransomware lockout, or fraud that moves money out of your accounts. We match each business to specialist cyber carriers across Washington and Oregon.
Quotes in 48–72 hours · 24/7 breach hotlines built into the policy
The exposure standard policies leave out
A single incident can trigger forensic investigation, customer notification, regulatory fines, lost revenue and lawsuits — losses that general liability and crime forms exclude. Since 1992 we've helped Pacific Northwest businesses through each new wave of risk, and today we place cyber coverage with specialist carriers that pair the policy with a response team.
How one cyber incident escalates
Three illustrative examples of what happens when coverage is missing, and what closes the gap.
Hackers encrypt the network on a Friday night
Attackers encrypted a 45-employee company's entire network and demanded $180,000 in Bitcoin within 72 hours. Staff couldn't work, orders stopped and no one could reach financial records or client data. Even after the ransom was paid, recovery took 23 days — and the general liability policy excluded cyber incidents.
- Ransom payment$180,000
- Lost revenue (23-day outage)$1,150,000
- IT forensics and restoration$640,000
- Customer notification and monitoring$370,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right cyber program for your business
Tell us how your business handles data, payments and systems. Every program starts with breach response, business interruption and system recovery. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Data Breach ResponseForensics, notification, monitoring and PR.
- Business InterruptionLost income when an attack forces you offline.
- System Damage & RecoveryRepair and restore systems, software and data.
- Privacy LiabilitySuits for failing to protect personal data.
- Ransomware & ExtortionRansom, negotiation and data recovery.
- Bricking CoverageReplace hardware an attack renders unusable.
- PCI-DSS CoverageCard-brand fines, penalties and assessments.
- Social Engineering FraudReimburses funds lost to deception.
From risk assessment to breach response
Four steps to a cyber program built for your business, including the security posture carriers now require.
Assess your cyber risk
We start with what you store, who connects to you and the controls you already have — data, systems and payments, your regulatory profile and vendor dependencies.
Match to cyber specialists
We go to carriers that specialize in cyber and technology risk, with industry-specific forms and competitive limits and sublimits across 50+ markets.
Structure and harden coverage
We set limits and sublimits by exposure, review ransomware and fraud sublimits, and help you meet required controls — MFA, backups, employee training — which qualify you for coverage and lower premium.
Breach response and claims
24/7 breach hotlines, pre-selected forensics and PR teams, claims advocacy from first notice, and annual coverage and control reviews.
Every coverage a modern business may need
Filter by type or search the full range of cyber coverage we place.
Data Breach Response
Forensic investigation, customer notification, credit monitoring, call-center support and public-relations crisis management.
Ransomware & Extortion
Ransom payments, negotiation specialists, cryptocurrency transactions and data-recovery costs when attackers hold systems hostage.
System Damage & Recovery
Repairing, restoring or replacing computer systems, software and data damaged by attacks or malware.
Business Interruption
Lost income and extra expense when an attack forces you offline — the revenue you would have earned plus costs to keep operating.
Reputational Harm
Lost revenue from customers who leave after a publicized breach, plus reputation-recovery and retention costs.
Bricking Coverage
Hardware replacement when an attack renders devices unusable — computers, servers, IoT devices and specialized equipment.
Network Security Liability
When a security failure on your network damages customers, vendors or partners, including defense and settlements.
Privacy Liability
Defense and damages when you're sued for failing to protect personal information, HIPAA violations or privacy-law non-compliance.
Media Liability
Defamation, copyright infringement and invasion-of-privacy claims from your website, social media and digital content.
Regulatory Defense & Fines
Defense and fines when regulators investigate a breach — state attorneys general, the FTC and industry regulators.
Social Engineering Fraud
When criminals trick employees into transferring funds, revealing credentials or taking actions that cause financial loss.
PCI-DSS Coverage
Fines, penalties and assessments from card brands when a breach compromises card data.
Every industry holds data worth protecting
Healthcare providers
Practices and clinics with HIPAA-protected patient data.
Financial services
Banks, advisors and firms holding sensitive financial data.
Professional firms
Consultants, law and accounting firms with client records.
Retail and e-commerce
Stores and online sellers processing card payments.
Manufacturers
Producers reliant on connected systems and OT networks.
Technology companies
Software, SaaS and IT firms handling customer data.
Law firms
Practices safeguarding privileged client information.
Nonprofits
Organizations holding donor and member data.
Education
Schools and programs with student and staff records.
Hospitality
Restaurants and venues processing guest payments.
Real estate
Brokerages handling transaction and wire data.
Construction
Contractors with project, payroll and vendor systems.
Brokers who follow cyber risk closely
Specialist carrier access
We place coverage with leading cyber insurers including Coalition, Travelers, Chubb and specialty technology markets.
Coverage-gap analysis
We review your general liability, E&O and crime policies to find where cyber exposures fall through, then design coverage for your regulatory profile.
Breach response and risk tools
Carriers provide 24/7 breach hotlines, forensics teams and crisis experts, and many include security tools, employee training and vulnerability scanning.
Get a cyber insurance review
We'll identify coverage gaps, security requirements and limits that fit your operations. Free consultation, no obligation.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The coverage builder is a starting point for discussion, not a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any business; cyber terms, sublimits and exclusions vary by policy and by the security controls in place. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.