Cyber coverage that's actuallyclearusefulyoursfairclear
Small businesses are the easy target, and a breach costs far more than the ransom. We explain what cyber actually pays for and shop 20+ carriers, in plain English, no scare tactics.
Cyber coverage, line by line.
What a cyber policy covers, and the first-party costs people forget.
| Coverage | What it covers | Good to know |
|---|---|---|
| Breach response | Forensics, notification, and credit monitoring | The first-dollar costs of any incident |
| Ransomware and extortion | The demand, plus recovery and downtime | Coverage and limits vary widely, read them |
| Business interruption | Income lost while systems are down | Often the largest real cost of an attack |
| Data restoration | Rebuilding lost or corrupted data | The work after the threat is cleared |
| Third-party liability | Claims from customers whose data leaked | Where a breach turns into a lawsuit |
| Social engineering | Funds lost to a spoofed wire request | A common add that standard cyber may exclude |
Cyber forms differ more than any other line. We read the exclusions and sublimits so the policy pays when it matters.
Not sure your cyber policy would actually pay? Send it over, we will read it, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Cyber coverage, answered.
The questions owners ask before they place cyber.
Small businesses are targeted precisely because their defenses are thinner. A breach brings notification, recovery, downtime, and sometimes lawsuits. For most operations that handle any customer data, it is worth a serious look.
First-party covers your own costs, forensics, restoration, lost income. Third-party covers claims from others whose data was exposed. A complete policy includes both, and we confirm yours does.
Usually, but the limits and conditions vary widely, and some policies sublimit it heavily. We read exactly how yours responds before you rely on it.
That is social engineering, and standard cyber may exclude it without a specific add. Given how common it is, we make sure the coverage is on.
Most quotes are back within 48 business hours once we have a short application. We reply to any question within 2 business hours.
Ready when you are
Send us your current cyber policy. We will tell you whether it would actually pay, free.
Cyber usually sits with
Professional liability
If you advise or build for clients, E&O pairs naturally with cyber.
Explore E&O