Cyber Attack

If you do a lot of your business online and/or handle sensitive personal information with your clients (credit card numbers, social security numbers, home addresses, etc.), you should consider cyber coverage.

In considering this coverage, we must ask what is a “Cyber attack?”

 An offensive maneuver that targets computer information systems by various mean of malicious acts that either steals, alters, or destroys a specified target by hacking into a system. -Wikipedia

Did you know that 29% of U.S. small businesses had a cyber attack in 2012? 72% of those were not able to fully restore their company’s computer data. And who can’t forget the infamous Target hack where millions of consumers had their information breached in 2013?

The Hartford, one of our highly rated carriers, offers 2 types of cyber coverage:

1. Data Compromise

  • Deals with personal information
  • Responds to breach, theft, or unauthorized disclosure
  • 1st and 3rd party coverage

2. CyberOne

  • Deals with business operational data and systems
  • Responds to events that damage or degrade data and systems
  • Always malicious intent
  • 1st and 3rd party coverage

Some advantages of having cyber coverage:

  • Limited Coverage: data restoration, systems restoration
  • Full Coverage: data re-creation, loss of business, public relations

To view more information on cyber coverage, please visit:

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