Cyber Liability Insurance Miami | Data Breach & Ransomware

"I'm too small to be hacked."

False. Small businesses are the #1 target because they are easier to break into.

43%

Of All Attacks

Target small businesses with under 50 employees.

$200k

Avg. Cost

The average cost of a data breach for a small business.

60%

Go Out of Business

Within 6 months of a major cyber attack without insurance.

🕵️

We pay for the forensic IT team to find the leak, the lawyers to handle compliance, and the letters to notify your customers.

💸

If hackers lock your files and demand Bitcoin, the policy covers the negotiation and the payment (if necessary).

📉

If you can't operate because your system is down, we replace your lost income during the outage.

🎣

If an employee gets tricked into wiring money to a fake vendor, this covers the stolen funds.

FAQs

Ransomware, fraud, downtime—know what’s covered and what carriers require before you buy.

Does it cover ransomware?

Often yes—plus forensics, legal, notifications, and recovery (policy-specific).

First-party vs third-party coverage—what’s the difference?

First-party covers your costs; third-party covers lawsuits and liability to others.

Is social engineering / funds transfer fraud included?

Sometimes excluded unless endorsed; we ensure it’s addressed.

Do I need MFA to qualify?

Many carriers require baseline controls like MFA and backups for best pricing.

What limits should I choose?

We size limits by revenue, data volume, and outage risk.

How fast can coverage bind?

Some small risks bind quickly; complex risks may need underwriting.

Includes free Dark Web Scan.