Cyber Insurance
The Coverage You Didn’t Know You Needed—Until It’s Too Late
Cyber incidents are no longer limited to large corporations. Small and mid-sized businesses are increasingly targeted due to limited security resources and higher vulnerability.
- 43% of cyberattacks target small businesses¹
- Ransomware is one of the fastest-growing cyber threats¹
- Global breach costs average $4M+²
If your business uses email, payments, or stores data—you have exposure.
REAL STORIES
Real Cyber Attacks. Real Business Impact.
“We Thought We Were Too Small”
A small professional services firm experienced a phishing attack that led to ransomware deployment.
- System shutdown and operational disruption
- Six-figure ransom demand
- Extended downtime and revenue loss
Ransomware continues to be a top driver of business interruption risk.
“It Was Just One Employee Mistake”
A compromised password led to unauthorized access to sensitive customer data.
- Regulatory notification requirements
- Legal and defense costs
- Reputation damage
Human error is one of the most common causes of breaches.
“We Had IT… But No Insurance”
A cyber incident halted operations despite strong IT security.
- Immediate revenue disruption
- Recovery and restoration costs
- Cash flow strain
Business interruption is often the most expensive part of a cyber event.
Cyber Risk by the Numbers
- 43% of attacks target small businesses ¹
- Phishing is involved in most breaches ¹
- $4M+ average global breach cost ²
- Up to 60% of small businesses fail within 6 months of a major cyber event ³
Cyber incidents are business survival events—not IT issues.
WHAT CYBER INSURANCE COVERS
First-Party Coverage
- Business interruption
- Data recovery
- Ransomware / extortion
- Incident response
Third-Party Coverage
- Legal defense
- Regulatory response
- Customer notification
- Reputation management
Coverage focus varies significantly by carrier and policy structure.
This Is NOT a “Buy Online in 5 Minutes” Policy
Cyber insurance is highly complex and varies significantly between carriers.
- Coverage terms are not standardized
- Security controls affect pricing and eligibility
- Some policies exclude ransomware or limit coverage
A low-cost policy may leave critical gaps uncovered.
WHO NEEDS THIS
Do You Have Cyber Risk?
- Customer or employee data
- Payment processing
- Cloud systems or email reliance
- Remote access or digital operations
If yes, you have cyber exposure.
Why Businesses Work With Cell Brokerage
- Strategy-first cyber insurance design
- Carrier access and market navigation
- Risk identification beyond basic quoting
- Claims-focused advocacy
Simple Guided Process
- Cyber Risk Review
- Coverage Design
- Market Placement
- Ongoing Support
Don’t Wait Until After an Incident
Cyber insurance cannot be purchased after a loss occurs.
Request a Cyber Risk Assessment
CONTACT US
If we look different, it is because we are different. We are trailblazers. We believe in brains before bureaucracy. As an idea company, our mission is to disrupt the big box model by tearing down old-school insurance paradigms.