Solutions
Cyber Liability
Coverage for data breaches, ransomware, and other cyber events that can stop your business.
What It Is
Cyber liability covers costs and claims from cyber events like data breaches, ransomware attacks, and system failures caused by hacking. Logistics businesses depend on email, load boards, and dispatch systems, and fraud schemes such as identity theft and fake payment instructions have become common in freight.
What It Typically Covers
- Response costs after a breach, such as investigation, notification, and recovery
- Claims from customers or others whose data was exposed
- Lost income while systems are down after a covered event, on many policies
- Ransomware response, depending on the policy
Common Gaps to Watch For
- Funds transfer fraud and social engineering (being tricked into sending money) are often limited or need to be added.
- Missing security controls. Many policies require measures like multi-factor authentication, and claims can be affected if they’re not in place.
- Freight fraud such as double brokering or identity theft may not be covered as a cyber event. Ask specifically.
Who Usually Needs It
Any business that relies on email, online systems, or customer data. Freight brokers and 3PLs face particular exposure to payment and identity fraud.
What Underwriters Consider
- Revenue and the data you hold
- Security controls such as multi-factor authentication and backups
- Payment verification procedures
- Prior incidents
Questions to Ask
- Is funds transfer fraud or social engineering covered, and up to what amount?
- What security controls does the policy require?
- Is lost income during an outage covered?
- How does the policy handle freight fraud and identity theft?
All coverage is subject to policy terms, conditions, and exclusions.
Last reviewed: November 1, 2026
If You Win, We Win.
Every business deserves an agent who understands its operation, represents it honestly, and stays engaged after the policy is bound.
Licensed in Illinois.