Data Breach Protection for the Digital Age
One data breach. $4.45 million in damages. Could your business survive?
A dental practice thought their basic business policy covered cyber attacks. They were wrong. When ransomware hit, they paid $85,000 in ransom, lost $32,000 in revenue during 4 days of downtime, faced HIPAA violations, and spent months rebuilding their reputation.
Their "cyber coverage"? A $50,000 sublimit buried in fine print.
The gap cost them $197,000 out of pocket.
43%
of cyber attacks target small businesses
$4.45M
average data breach cost (IBM 2023)
60%
of small businesses close within 6 months of breach
300%
increase in ransomware demands YoY
21 Days
average downtime after attack
$0
covered by standard business insurance
Ransom payments, negotiation, cryptocurrency fees
IT forensics, data restoration, system rebuilding
Lost revenue during downtime, extra expenses
Customer notification, credit monitoring services
PR firm, crisis communication, reputation management
Defense costs, settlements, regulatory defense
Malware transmission, unauthorized access claims
Copyright infringement, defamation claims
HIPAA, PCI DSS, state privacy law violations
Every business that handles sensitive data needs cyber coverage. If you have a computer and an internet connection, you're at risk.
Healthcare
Financial
Retail
Professional
Manufacturing
Education
Nonprofits
Any Business
A 50-employee manufacturer clicked on a phishing email. Within hours, ransomware encrypted their entire network—including backups. The attackers demanded $250,000 in Bitcoin.
Without Cyber Insurance:
Paid ransom + $75K recovery + $400K lost revenue. Nearly bankrupted.
With Cyber Insurance:
Ransom covered, forensics paid, business interruption covered. Paid only deductible.
A medical practice's patient database was accessed. 8,000 records exposed. Required notification and credit monitoring by law.
Without Cyber Insurance:
$180K notification + $120K monitoring + $400K lawsuit + $50K HIPAA fines = $750K+
With Cyber Insurance:
All costs covered. Crisis management handled. Practice survived.
We work with carriers who specialize in cyber coverage—not just add it as an afterthought.
Risk assessments, employee training, incident response planning, vulnerability scanning.
24/7 breach hotline, pre-vetted forensics, experienced breach counsel, crisis communication.
Typical annual premiums based on business size:
The investment is minimal compared to the potential loss.
Every day without cyber coverage is a day you're gambling with your business's survival. The 60% of small businesses that close after a breach all thought "it won't happen to me."
Our cyber specialists will assess your exposure and design coverage that actually protects you.