YOUR INDUSTRY / OTHER BUSINESSES
Your business runs on connections. Understand the insurance questions.
From professional services to growing local businesses, the right questions start with how you operate.
Discuss my business ↗ILLUSTRATIVE SCENARIO
Systems down. Commitments still due.
An essential cloud service becomes unavailable while invoices, orders and deadlines keep arriving. Identify who controls the system and what caused the disruption before assuming insurance applies.
An outage is not automatically a covered cyber event.
Map the systems behind the work.
- Cloud software
- Email and invoicing
- Customer information
- Vendors and service providers
Then ask what the policy addresses.
List the systems your team cannot work without. Ask how the policy treats dependent businesses, social engineering, incident response and the costs you would retain.
Ask about the incident trigger, covered response costs, reporting obligations, approved vendors, sublimits, retentions and exclusions.
Review the coverage questions →Questions before a proposal.
What is cyber insurance?
Cyber insurance may help pay specified costs from a covered cyber incident. The policy defines the events, expenses, limits and exclusions. It does not replace cybersecurity measures.
Does it cover every outage?
No. The cause, affected system and policy wording matter. Ask about attacks, system failures, waiting periods and outside providers.
Can it help after customer information is exposed?
A policy may address certain investigation, notification and liability expenses. Check which services are included and which limits, approvals and reporting conditions apply.
Can it help protect customer trust?
Some policies address crisis communications or public-relations expenses. These services cannot guarantee restored trust or reimburse every future lost sale.
How much does it cost?
An actual quote depends on your business and the coverage offered. Compare price alongside limits, retentions, conditions and exclusions. This site does not provide live quotes.
Is CyberAffirm the insurance company?
CyberAffirm is an insurance agency. The insurer named in a policy issues the coverage and confirms its effective date.
General context: FTC cyber insurance guidance.