Customer information
What contact details, account information, or confidential records do you collect and retain?
Capital Providers Insurance Services
Cyber Liability Insurance
Cyber Liability Insurance
for California Businesses.
Your business runs on information, connected systems, and trust. Talk with CPIS about coverage for the financial impact of a data breach or other covered cyber incident.
Understand the two sides of coverage
Help with your own losses—and claims from others.
Cyber insurance can combine first-party protection for your business’s covered response and recovery costs with third-party liability protection when others bring covered claims against you.
Look at the coverage, not just the policy name.
Cyber policies differ. Review the included protections, exclusions, limits, deductibles, and reporting requirements before deciding.
Responding to an incident.
What support and expenses are covered when your business discovers a potential breach?
Recovering your operations.
What happens if damaged data or disrupted systems interrupt your work?
Addressing a liability claim.
What protection applies if a customer alleges that a security or privacy failure caused them harm?
A review based on your business
Where does technology connect to your operations?
Use these questions to prepare your inquiry. A business does not need an online storefront to depend on digital information.
Employee records
Where do you keep payroll, employment, and benefits information—and who can access it?
Email & payments
How do you verify invoice changes, payment instructions, and requests involving money?
Cloud & vendors
Which outside providers store your data or support systems you need to operate?
System downtime
What work would stop if your scheduling, ordering, payment, or operating systems were unavailable?
Security & recovery
Be ready to discuss access controls, backups, staff training, and your incident response arrangements.
Common coverage areas
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What can a cyber insurance policy help cover?
Depending on the policy, protections may address the following costs or liabilities. Each coverage can have its own conditions and limits.
Breach response
Covered forensic investigation, legal guidance, notification, and services for affected individuals following a qualifying incident.
Privacy & security liability
Defense and covered damages arising from allegations that a privacy or network security failure harmed others.
Business interruption
Eligible lost income and extra expenses from a covered disruption, subject to waiting periods and other policy conditions.
Data & system restoration
Covered costs to restore or recover affected data and systems after a qualifying cyber event.
Ask separately about cyber extortion, social engineering, funds transfer fraud, and outages at service providers. These protections are not automatic and may have separate endorsements, conditions, or sublimits.
Your next steps
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Start Your Quote Request →
Start a practical cyber coverage conversation.
Tell us about your business.
Select Cyber Insurance on our quote form. Describe your operations and the coverage you want to discuss.
Prepare your information.
Have your current policies and details about your systems, data, security practices, and prior incidents ready for follow-up.
Review the available terms.
Discuss coverage scope, limits, retentions, exclusions, response arrangements, and application requirements before deciding.
Questions business owners ask
Cyber liability insurance FAQs.
Is cyber insurance only for technology companies?
No. Businesses in many industries handle confidential information or depend on digital systems. Discuss your actual data and technology use rather than assuming cyber coverage is only relevant to an IT company.
Does my general liability or property policy cover cyber incidents?
Do not assume so. Standard commercial policies may exclude or limit cyber losses. A cyber endorsement may also have a narrower scope than a standalone policy. Review your existing coverage with CPIS to understand what is included.
Does cyber insurance cover ransomware or fraudulent payments?
Some policies offer cyber extortion or cybercrime protections, but a ransomware event and a payment sent after a deceptive email may trigger different terms. Review the specific coverage, exclusions, reporting and approval requirements, and sublimits. No ransom or fraudulent transfer payment is automatically covered.
What affects the cost and eligibility?
Your operations, size, data exposure, technology access, security practices, claims history, and requested limits can affect the insurer’s assessment. Answer application questions accurately and discuss any required safeguards before arranging coverage.
What if an incident involves a cloud provider or another vendor?
Ask whether the policy addresses data held by vendors and dependent business interruption. The type of provider, cause of the outage, waiting period, and any separate limits can affect whether a loss qualifies.
Can I report an active cyber incident through this quote form?
This is a new coverage inquiry form, not an incident reporting channel. If you already have cyber insurance, follow your policy’s reporting instructions and contact its designated incident response service promptly. Sending this form does not activate coverage or report a claim to an insurer.
Let’s talk about your business
Plan for the financial impact of a cyber incident.
Tell Capital Providers Insurance Services how your business uses information and technology. Start online or call our team to discuss your coverage needs.
This page provides general information. Coverage, limits, exclusions, availability, and eligibility depend on the insurer and policy. A quote request does not bind or activate insurance.