Protect Your Business With Cyber Insurance
Find coverage that helps your business recover quickly and confidently. Get a fast and free quote from The Hartford today.
What Is Business Cyber Insurance?
Cyber insurance for small businesses can help protect you from risks like:
- Network interruptions
- Data breaches and related legal fees
- Malware and ransomware cyberattacks
- Extortion and phishing attacks
To protect your business from the devastating financial consequences of a cyber event, consider adding cyber insurance coverage to your Business Owner’s Policy (BOP) or as a stand-alone coverage.
The Hartford offers cyber insurance coverages tailored to your business’ needs. We can help you craft a plan to prevent and control cyber-related incidents. Policyholders can access our Cyber Center 24/7 for easy-to-understand cybersecurity resources, including tools, training and best practices such as:
- Security awareness training
- Data privacy and cybersecurity attorney consultation
- Third-party vendor contract review
- Cyber advisories
- Exclusive webinars and more
Does My Business Need Cyber Insurance?
Cyber crime insurance can help you respond quickly after a data breach or cyber event.
This coverage can help protect your business if you:
This coverage can help protect your business if you:
- Use the internet in your business operations
- Maintain a website
- Store private client data
- Accept payments digitally
What Does Cyber Insurance Usually Cover?
Cyber insurance helps your business respond to cyber threats like data breaches, ransomware attacks, compromised business emails, network intrusions and computer viruses.
Cyber insurance, and certain optional add-on coverages like electronic data liability or data breach coverage, can help your business if:
- An employee clicks on a malware-infected email attachment, leading to a ransomware attack.
- A compromised email causes your business to electronically send funds to a fraudulent account.
- Human error during system upgrades causes your company’s network to freeze.
- A hacker gains unauthorized access to your network and sensitive customer information.
The Hartford’s Cyber Insurance may provide coverage for these expenses after a cyber event:
- Incident response expense services, including legal costs, forensic investigation costs and public relations costs for managing reputational harm
- Costs to respond to a cyber extortion threat, including ransom payments and negotiations
- Data recovery costs
- Costs to restore a damaged computer system or network
- Lost income due to business interruption from a cyber event or network outage
- Costs to notify affected customers after a data breach
- Credit monitoring services for customers
- Coverage related to a regulatory inquiry, in addition to regulatory fines and defense
- Legal defense costs for data privacy and network security liability lawsuits
The Hartford offers a cyber incident hotline 24/7 to help you if a cyberattack occurs. Our team of specialists are ready to help you respond to a breach in real time.
What Is Not Covered by Cyber and Data Breach Insurance for Small Businesses?
Cyber business insurance doesn’t cover every type of claim. You may need other types of business insurance coverage to create a comprehensive protection plan, such as:
- General liability insurance to help cover claims your that business caused property damage or bodily injury.
- Commercial property insurance to help protect your business’ owned or rented physical location and equipment.
- Employment practices liability insurance to help cover employee claims of harassment, discrimination or wrongful termination.
- Professional liability insurance to help cover claims of mistakes or omissions in your professional business services.
- Technology professional liability insurance for businesses that provide technology services or products.
How Much Does Cyber Insurance Cost for a Small Business?
On average, our customers pay about $320 annually for data breach coverage.** Keep in mind that insurance companies consider many different factors to determine your cyber insurance cost. The cost of cyber security insurance for a small business can vary, depending on:
You’ll also have access to our cyber claims hotline 24/7, where our specialists can help guide you through responding to a breach and provide you with risk management programs to train your employees on how to avoid future cyber risks. To learn more, find a local agent today.
- Your business operations: Businesses operating in industries that are at an increased threat from bad actors may require more comprehensive coverage.
- The size of your business and revenue: Larger companies with more employees, assets, customers and sensitive data may need more coverage or higher limits.
- Your coverage options and limits: Cyber insurance coverage can be tailored to your business’ specific needs, which can impact the cost of the policy. Higher limits and more supplemental coverage mean higher premiums but also increased protection from cyber incidents.
The Hartford’s Small Business Cyber Insurance Solutions
Whether you have an existing business insurance policy in place or need a stand-alone coverage, we have cyber insurance solutions to help you stay prepared.
Added Coverage to a Business Owner’s Policy (BOP)
For businesses with non-complex cyber risks, you can add cyber coverage, such as Data Breach and Cyber Virus and Malware, to your Business Owner’s Policy by getting a BOP Insurance quote or calling 855-829-1683 today.
CyberChoice First Response
For non- technology businesses with more complex cyber risks, our stand-alone Cyber Liability insurance, which is called CyberChoice First Response, offers even more protection than endorsed cyber coverage alone. This coverage triggers incident response actions immediately, helping you quickly get your business back up and running.
You’ll also have access to our cyber claims hotline 24/7, where our specialists can help guide you through responding to a breach and provide you with risk management programs to train your employees on how to avoid future cyber risks. To learn more, find a local agent today.
FailSafe Technology Errors and Omissions
For businesses with more complex cyber risks, such as those in the technology industry that manage a network and/or website or work with a lot of sensitive data, our technology errors and omissions insurance is the best cyber insurance for small businesses. Known as FailSafe Technology Errors and Omissions, this insurance includes both professional liability coverage and coverage for data privacy and network security.
This coverage helps protect your technology business from the financial losses and legal consequences of:
- Unauthorized access to your systems or data
- Accidental data leaks or exposure of confidential customer information
- Cyberattacks, such as ransomware or malware infections
- Failure to prevent the transmission of malicious code to third parties
- Violations of privacy regulations, such as GDPR or HIPAA
Frequently Asked Questions About Cyber Insurance
What’s the Difference Between First-Party Cyber Coverage and Third-Party Coverage?
First-party cyber coverage is another name for cyber insurance or data breach insurance. It covers costs related to a data breach or cyber incident that impacts your business directly. Third-party cyber coverage helps cover legal costs if a customer or client sues you because of a data breach or cyberattack at your company that also affected their company. While The Hartford doesn’t offer separate third-party cyber coverage, this coverage may fall within the general liability grant of coverage.
Is It Worth Getting Cyber Insurance?
Yes, cyber insurance is worth the investment. The consequences of a cyber incident can be expensive and just as serious as a theft or fire. Without it, you’d have to pay out of pocket to cover any costs associated with data breaches, lawsuits, ransomware, extortion and phishing attacks.
What Other Small Business Insurance Do I Need?
The Hartford’s team of insurance specialists can help small business owners like you determine what other types of business insurance you’ll need and how much it could cost. Call us at 855-829-1683 today to learn more.
Protect Your Livelihood With Cyber Insurance for Small Businesses
Small businesses have trusted The Hartford to protect their livelihoods for over 200 years. By adding cyber insurance to your coverage, you’ll be better prepared for the future. Get a quote for cyber insurance online or by calling 855-829-1683 today.
Other Business Coverages
We offer insurance coverages for companies of all sizes – large and small.
Last Updated: January 26, 2026
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.