What Is Cyber Liability Insurance?

Insurance for today’s unique risks

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Cyber coverage options and tools to help protect your business

Cyber liability insurance is an insurance policy that provides businesses with a combination of coverage options to help protect the company from data breaches and other cybersecurity issues. It's not a question of if your organization will suffer a breach but when. Travelers cyber insurance policyholders can also access tools and resources to manage and mitigate cyber risk pre-breach and post-breach.

What businesses need cyber liability insurance?

Every type oforganization, from global companies to mom and pop shops that use technology to do business, faces cyber risk. As technology becomes more complex and sophisticated, so do the threats that businesses face. This is why every business and organization needs to be prepared with both cyber liability insurance and an effective cybersecurity plan to manage and mitigate cyber risk. At Travelers, we understand the complexity of cyber threats. We have solutions to help insure and protect your business assets. 

Travelers cyber coverage can be a crucial safeguard against the devastating financial consequences of a cyberattack. When you have a CyberRisk policy with Travelers, you also receive access to a variety of risk management resources that can help protect your organization against the threat of a cyberattack.

What does cyber liability insurance cover? 

Cyber liability insurance helps cover costs associated with data breaches and cyberattacks on your business. Those costs can include such things as lost income due to a cyber event, costs associated with notifying customers affected by a breach, costs for recovering compromised data, costs for repairing damaged computer systems and more. Travelers offers customized insurance solutions depending on your business’s level of risk, with coverage options available to address: 

  • Forensic investigations 

  • Litigation expenses 

  • Regulatory defense expenses/fines 

  • Crisis management expenses 

  • Business interruption 

  • Cyber extortion 

  • Betterment 

CyberRisk policyholder benefits 

In addition to coverage, Travelers provides CyberRisk policyholders innovative value-added pre- and post-breach risk management services at no additional cost. These benefits includecyber coaches,pre-breach servicesand access to TravelerseRiskHub®, powered byNetDiligence®. 

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Travelers pre-breach services provided by HCL Technologies

Preparation is key to mitigating a potential cyber-related event. To help organizations achieve a higher level of cybersecurity, Travelers offers pre-breach services through HCL Technologies, a global leader in cybersecurity solutions. This service, offered at no additional cost to CyberRisk, CyberRisk Tech and CyberRisk for Public Entities policyholders, provides risk assessment tools, one-on-one consultation with a cyber security expert, training tools and videos to educate your team, a helpline and access to consulting services that can help keep your business protected. 

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Travelers Cyber Security Coaches

Expand your cybersecurity team, as the potential for a cyber event is real regardless of the size of your organization. Even the most sophisticated systems have vulnerabilities, and the human element of lost laptops, misplacing a paper file or opening an email attachment can affect your company. Cyber events can have a significant impact on your customers, your employees and your bottom line.  

Travelers’ cyber policyholders receive exclusive access to cybersecurity experts who can provide actionable advice and answers regarding a variety of cyber concerns and exposures. 

TravelerseRiskHub, powered byNetDiligence 

Travelers eRiskHub is a private web-based portal containing information and technical resources that can assist you in the prevention of network, cyber and privacy events. It can support you in a timely response if an incident occurs. Travelers eRiskHub features news, content and services from leading practitioners in risk management, computer forensics, forensic accounting, crisis communications, legal counsel and other highly specialized segments of cyber risk. 

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Travelers Cyber Academy® - Cybersecurity Training Videos and Resource

Learn about emerging cyber trends and prevention tips with this cybersecurity program.

Travelers cyber insurance solutions

Travelers offers flexible insurance options to meet your needs 

Does your company collect credit card information for online sales or maintain a database of personal information for lead generation? With new threats to computer systems and data emerging every day, it pays to be prepared. Even if your business or organization has taken steps to maintain the security of your data, you may not be keeping up with increasingly sophisticated threats. 

The right coverage your business or organization needs depends on your level of risk. Find the cyber liability coverage that’s right for your organization. 

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CyberRisk for multiple industries and business sizes 

  • Broad cyber coverage customized to fit your business needs
  • For small local businesses to Fortune 500 companies and every organization in between, including financial institutions and nonprofits
  • Available as stand-alone policy or as a cohesive part of the management liability suite of Wrap+®, Select One+SM or Executive Choice+SM

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CyberRisk Tech for technology companies 

  • Broad cyber coverage meeting the complex needs of technology companies
  • Includes errors and omissions coverage
  • Available as part of a package or as a stand-alone policy

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CyberRisk for public entities

  • Broad cyber coverage to meet the needs of public entities
  • Suitable for municipalities and counties, utilities, transit authorities and other organizations in the public sector 

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2023 Travelers Risk Index: Cyber Risk

According to the 2023 Travelers Risk Index, cyber risks remain a top overall business concern.


Insights to help you manage risks at work and on the road

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