Commercial coverage · Cyber

First-party breach response and third-party data liability.

Cyber covers the costs of responding to a security incident and defending claims arising from data, privacy, and network failures. It is the fastest-evolving, most heavily underwritten commercial coverage, and controls drive pricing more than revenue does.

Live attack surface

Where carriers carve back what they sold you.

BEC · finance impersonationcovered

Ransomware · vendor pivotcovered

State-sponsored · APT-32 probecarved out

Credential stuffing · 4.2k IPscovered

Cyber gap library3 of 4 vectors covered

What this covers

Plain English. Not the marketing version.

Cyber coverage is usually split into first-party (your own costs: forensics, notification, credit monitoring, restoration, business interruption, ransomware payment, extortion) and third-party (claims by data subjects, regulators, payment-card networks, contractual counterparties). Modern forms also address social engineering / funds-transfer fraud, dependent business interruption (when a vendor's outage takes you down), and bricking (when hardware must be replaced because malware has rendered it unrecoverable).

When this matters

The moment carriers expect to see this.

Any company with employee or customer PII has cyber exposure. Most carriers now require multi-factor authentication, endpoint detection, and a backup tested in the last 12 months before they'll quote. Without those controls, expect either non-renewal or material sub-limits.

For your eyes only

Questions worth asking about your current cyber coverage.

Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.

Does your cyber policy's war exclusion reach state-sponsored attacks, and what is the carrier's published interpretation?
Are MFA, endpoint detection, and tested-backup attestations in place? Most carriers underwrite to all three now.
What sublimits apply to ransomware, social engineering, and dependent business interruption, and which sit inside the aggregate and which outside?
What is your business-interruption waiting period, 8 hours, 12, or 24, and is your CFO clear on what triggers it?

What we flag most often

What ARIA flags most often on Cyber.

Every flag names the issue, the specific finding, and where it applies, the consequence. Once you upload your declarations, ARIA's full output also cites the exact policy page that proves each one.

War / state-sponsored exclusion
Most cyber forms have a war exclusion. Whether an attack attributable to a state actor triggers it varies wildly by carrier. The carve-back is what controls. Read 'attribution' language carefully.
A nation-state-backed ransomware event could fall entirely outside coverage despite paying premium for cyber.
Dependent business interruption
Coverage for outage at a critical vendor (your CRM, auth provider, hosting, payments processor) is sub-limited or absent on many small-business cyber forms.
A multi-day Okta or AWS outage that takes your operations down may not trigger meaningful BI recovery.
Social engineering / FTF
Funds-transfer fraud via business-email-compromise typically falls in crime-policy territory, not cyber. The handoff between cyber and crime forms frequently has gaps.
Regulatory defense sub-limit
Privacy regulatory defense (state AG, HHS, FTC, state breach-notification statutes) is sub-limited at $250K–$500K on many forms. Well below typical settlement.
Ransomware sub-limit
Sub-limited ransomware payment and extortion coverage, sometimes 50% co-insurance, is standard at most carriers post-2021. Verify the actual cash available.
Retroactive date
Retroactive date controls coverage for incidents occurring before the policy started but discovered after. New policies that don't pick up the prior retro create silent gaps.

Peer benchmark

Where peers your size sit. Premium, not pretense.

Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.

Cyber premium. $50M SaaS

$50M revenue · 250 FTE · MFA + EDR controls

P25 · $28KMedian · $48KP75 · $78K

Illustrative dataset · n=128 mid-market placements · refreshed quarterly

Ask ARIA

“Stress-test our $5M cyber tower against a 7-day ransomware event with $4M business interruption, $800K extortion, $200K regulatory defense. Tell me what's covered and what isn't.”

Critical for

Industries where this coverage is non-negotiable.

SaaS & Technology
Healthcare & Life Sciences
Financial Services / RIA
Hospitality & Hotels
Any business handling PII or payment-card data

Ready when you are

Have ARIA read your Cyber policy.

The first gap usually surfaces in the first minute of ARIA reading your declarations page.

Prefer to explore first?Run the 60-second SnapshotRather talk it through?Talk to Ryan Gaston

Nothing binds until a licensed Risk Strategist signs the placement

ARIA · live across every page

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First-party breach response and third-party data liability.

Plain English. Not the marketing version.