Ransomware, data breaches, social engineering, and business interruption are costing businesses at every size. And when it happens, your general liability policy won’t cover a dollar of it.
Standalone cyber insurance exists to fill that gap. SeedPod Cyber helps businesses get the right coverage at the right price, backed by A+ rated carriers and underwritten to match your actual risk, not a generic profile.
Most businesses assume their existing policies have them covered. They don’t.
General liability covers bodily injury and property damage. It does not cover notification costs after a breach, ransomware payments, regulatory fines, or lost revenue from a system outage. Commercial property policies don’t cover digital assets. A BOP won’t respond to a social engineering scam that wires money to a fraudster.
Cyber insurance is the only policy designed specifically for these risks. Without it, your business absorbs every dollar of a cyber loss out of pocket.
Cyber insurance covers a wide range of losses, from breach response and ransomware payments to regulatory fines and third-party liability. The specifics matter, and not all policies are built the same.
See what a comprehensive cyber policy actually covers →
If your business stores customer data, processes payments, or depends on systems being available, a cyber incident is a financial event, not just an IT problem.
Healthcare and medical practices PHI exposure, HIPAA penalties, and ransomware attacks targeting patient record systems.
Financial services and fintech Client financial data, wire fraud, and regulatory liability under state and federal law.
Technology and SaaS companies Third-party liability, AI tool exposure, and Tech E&O gaps that standard cyber policies don’t address.
Professional services Law firms, accounting firms, and consultants handling sensitive client data on behalf of others.
Retail and e-commerce Payment card data, customer PII, and platform-dependent revenue at risk from a breach or outage.
Manufacturing and logistics Operational technology exposure, supply chain interruption, and ransomware targeting production systems.
Cyber insurance premiums are driven by your security posture, not just your revenue. Underwriters evaluate:
The stronger your controls, the better your rate. SeedPod Cyber assesses your risk profile from inside your environment, so coverage is priced based on what your business actually looks like, not industry averages.
How Much Does Cyber Insurance Cost? 2026 Pricing Guide Real premium benchmarks by company size, industry, and security posture so you know what you should be paying before you ever talk to an underwriter.
Cyber Insurance for Tech Companies: Coverage, Cost and What Underwriters Look For Why tech companies need both cyber and Tech E&O, what each policy covers, and how AI and SaaS exposure affects your premium.
Why Every Business Needs Standalone Cyber Insurance in 2026 What your general liability policy will not cover and what a real breach actually costs.
Cyber Insurance Requirements: The Minimum Controls Checklist Exactly what underwriters expect to see before they will quote you and how to document it.
Cyber Insurance for Law Firms: What You Need, What It Costs, and What Underwriters Are Looking For Why law firms face disproportionate exposure to wire fraud, ransomware, and malpractice claims from breaches, and what a policy built for a law firm actually looks like.
Cyber Insurance for Accounting Firms and CPAs: What You Need, What It Costs, and What Underwriters Are Looking For How accounting firms and CPA practices become high-value targets through BEC, tax season phishing, and client data exposure, and what underwriters want to see before they’ll bind coverage.
Cyber Insurance for Defense Subcontractors: What CMMC 2.0 Means for Your Coverage What defense subcontractors and DIB suppliers need to understand about CMMC 2.0 compliance, CUI exposure, and why cyber insurance and certification are the same problem approached from two directions.
Cyber Insurance for Healthcare Organizations: Coverage, Cost, and HIPAA Compliance How HIPAA obligations, ransomware targeting patient record systems, and PHI breach notification requirements shape what a healthcare cyber policy needs to cover.
Does cyber insurance cover ransomware? Yes. Most standalone cyber policies include ransomware and extortion coverage, which can cover the ransom payment itself, negotiation costs, and the cost of restoring systems and data. Coverage terms and sublimits vary by policy, so it is worth reviewing what your specific policy includes.
Will my general liability policy cover a data breach? No. General liability covers bodily injury and physical property damage. It does not cover notification costs, regulatory fines, lost revenue from system downtime, or legal liability from a breach that exposes customer data. Those risks require a standalone cyber policy.
Do I need cyber insurance if my business is small? Yes. Small businesses are frequently targeted precisely because they tend to have fewer security controls in place than larger organizations. A breach at a small business carries the same notification requirements, regulatory obligations, and recovery costs as one at a larger company, and without insurance, those costs come directly out of pocket.
What security controls do I need to qualify for cyber insurance? At minimum, underwriters typically want to see multi-factor authentication on email and remote access, endpoint protection, regular data backups stored offline, and documented incident response procedures. The stronger your controls, the better your rate.
Do I need cyber insurance if I already use a third-party IT provider? Yes. Your IT provider’s contract likely limits their liability for a breach, and their insurance covers their business, not yours. If your data is compromised through a vendor or your systems go down, your business absorbs the financial impact unless you have your own policy in place.
"*" indicates required fields
