$1M
Policy limit
Insurance
Breach · ransomware · interruption
Get cyber liability insurance. For when breaches happen.
Cyber liability insurance covers the financial fallout of breaches and incidents: breach notification costs, credit monitoring for affected customers, ransomware payments, business interruption losses, regulatory fines, defense costs. The average breach now costs $4.5M+ (IBM Cost of a Breach Report). We compare cyber quotes from specialty carriers including Coalition, Vouch, Beazley, and AIG.
How it works
How we handle Cyber Liability, end-to-end.
Cyber liability insurance covers the financial fallout of breaches and incidents: breach notification costs, credit monitoring for affected customers, ransomware payments, business interruption losses, regulatory fines, defense costs.
1
Risk profile
We assess your data: customer PII, payment data, health data, intellectual property. Industry, revenue, security posture (MFA, EDR, backups), and prior incidents drive pricing.
2
Carrier comparison
We submit to specialty cyber carriers (Coalition, Vouch, Beazley, AIG, Travelers) and traditional carriers offering cyber endorsements. Specialty markets often better for tech businesses.
3
Coverage selection
First-party (your costs): breach response, ransomware, business interruption. Third-party (claims against you): regulatory fines, customer class actions. Standard $1M-$5M limits.
4
Bind + incident response retainer
Most cyber policies include access to incident response panels (Mandiant, CrowdStrike, etc.) at preferred rates. We help you set up the relationship before an incident.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent cyber liability pricing.
Government fees pass through at cost. No upsells.
Standard quote
$0
Free quote, you bind direct.
Quote from 20+ cyber carriers. Annual premium varies wildly by industry and security posture: $500-$5,000/yr for small low-risk; $5,000-$50,000/yr mid-market; $50K+ for enterprise.
Get startedE&O + Cyber bundle
$0
Combined for tech businesses.
For SaaS and tech businesses: bundled E&O and cyber from Coalition, Vouch, or Beazley. Single carrier, single policy, often lower combined premium.
Get startedMulti-line broker
$0
Full insurance broker relationship.
Cyber as part of full broker relationship: GL, E&O, cyber, D&O, key person. Coordinated renewals and claim support.
Get started FAQ
About the Cyber Liability Insurance Service.
What is cyber liability insurance?
Cyber liability insurance covers the costs of a data breach or cyberattack, including notification, credit monitoring, legal defense, regulatory fines, and sometimes ransomware and business interruption, which the entity's liability shield does not address. Any business holding customer data faces this risk, and we flag when the coverage matters for your operation.
Do I need cyber insurance for a small business?
Increasingly yes, if you store customer data, take payments, or rely on systems to operate, since small businesses are frequent breach targets and the cleanup costs are high relative to their size. We flag when your data and systems make the coverage worth carrying alongside your entity setup.
What does cyber insurance cover?
Typically breach response and notification, credit monitoring for affected customers, legal and regulatory costs, data restoration, and often ransomware payments and business interruption from an attack. Coverage varies, so the policy details matter. We flag it as part of thinking through your business's risk profile.
Does a general liability policy cover cyber?
Usually not: standard general liability covers physical injury and property damage, not data breaches or cyberattacks, which is why cyber liability is a separate policy. Assuming your general policy covers a breach is a common and costly gap we flag.
What triggers a cyber claim?
A data breach exposing customer information, a ransomware attack, a phishing-driven fraud, or a system outage from an attack can all trigger a claim, along with the regulatory obligations that follow. We flag how your data practices affect this exposure so coverage matches your real risk.
Are there compliance requirements tied to data?
Often: depending on the data you hold, rules like GDPR, HIPAA, PCI DSS, or state privacy laws impose safeguards and breach-notification duties, and cyber insurance and compliance work together. We flag which frameworks apply so your data obligations and coverage align.
How much does cyber insurance cost?
It depends on your data volume, industry, revenue, and security posture, with stronger security lowering premiums. There is no flat figure. We flag cyber coverage as part of your risk picture so you can weigh it against the exposure your business actually carries.
Who needs cyber insurance most?
Businesses that hold sensitive customer data, process payments, or depend on technology to operate, such as e-commerce, healthcare, financial, and SaaS companies, face the highest exposure. We flag it especially for data-heavy businesses when setting up the entity and compliance.
Can File.Business help me think through data risk?
We form the entity and flag the data-privacy frameworks and coverage that apply to your business, from GDPR to breach obligations, so your data risk is considered as part of setup rather than discovered after an incident.
SOC 2 Type II audited
220,000+ businesses. 60-day money-back. State fees passed through at cost.
Your operating system, not a transaction
Every deadline auto-tracked across your entities. Compliance Score visible year-round.
Transparent pricing
No hidden fees. No upsells at checkout. State fees disclosed upfront.