When cyber attacks occur, they can result in devastating damages. Businesses have to deal with business disruptions, lost revenue and litigation costs. It is important to remember that no organization is immune to the impact of cyber crime. As a result, cyber liability insurance has become an essential component to any risk management program.

Cyber liability insurance policies are tailored to meet your company’s specific needs and can offer a number of important benefits, including the following:

  1. Data breach coverage: In the event of a breach, organizations are required by law to notify affected parties. This can add to overall data breach costs, particularly as they relate to security fixes, identity theft protection for those impacted by the breach and protection from possible legal action. Cyber liability policies include coverage for these exposures, thus safeguarding your data from cyber crimes;

  2. Business interruption loss reimbursement: A cyber attack can lead to an IT failure that disrupts business operations, costing your organization both time and money. Cyber liability policies may cover your loss of income during these interruptions. In addition, increased costs to your business operations in the aftermath of a cyber attack may also be covered;

  3. Cyber extortion defense: Ransomware and similar malicious software are designed to steal and withhold key data from organizations until a steep fee is paid. As these types of attacks increase in frequency and severity, it’s critical that organizations seek cyber liability insurance, which can help recoup losses related to cyber extortion;

  4. Forensic support: Following a cyber attack, your organization will have to investigate to determine the extent of the breach and what caused the system to be vulnerable. The right policy can reimburse the insured for costs related to forensics and seeking out expert advice. Additionally, some policies can provide 24/7 support from cyber specialists, which is especially useful following a hack or data breach;

  5. Legal Support. In the wake of a cyber incident, businesses often seek legal counsel. Cyber liability insurance can help your business afford the proper legal representation following a cyber attack;

  6. Coverage beyond a general liability policy. General liability policies do not always protect organizations from losses related to data breaches. Supplementing your insurance with cyber insurance can provide you with peace of mind that, in the event of an attack, your business’ financial status and reputation will be protected.

Apron Agencies wants you to be informed and for your business to be prepared in the event that a cyber attack occurs. Call us today at (504) 416-0237 to get more information on how to protect your livelihood.

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As reliance on technology continues to increase, new exposures continue to emerge. As your business grows, make sure your cyber liability coverage grows with it. Cyber liability insurance is specifically designed to address the risks that come with using modern technology; risks that other types of business liability coverage simply won’t.

The level of coverage your business needs is based on your individual operations and can vary depending on your range of exposure. Apron Agencies, LLC. is here to help you analyze your needs and make the right coverage decisions to protect your operations from unnecessary risk. Call us at (504) 416-0237 or visit

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