Does My Business Need A Cyber Liability Policy?

1. Does your business retain physical or electronic records of employees or other third parties with any of the following?

Social security numbers

Drivers’ license information

Tax identification numbers

Birth dates

Medical/health records

Court records

Police records

Banking information (checking/savings accounts)

Email addresses or home addresses


If you checked any of the above, your organization is in control of “Personally Identifiable Information,” and therefore, required to protect that data subject to State and Federal privacy and data breach notification laws.

2. Does your business have employees? Yes/No


Most data breaches involve an employee mistake. They can lose a mobile device, laptop or paper records, or make costly errors such as opening an unauthorized email containing malware. In addition, they can even intentionally steal data.

3. Does your business have an active website? Yes/No


Material posted electronically, or in written format, may lead to copyright or trademark infringement, or defamation litigation. If the website is transactional, additional exposures include possible hacking or disruption of your business via denial of service attacks.

4. Does your business use third-party vendors (e.g., cloud, IT services)? Yes/No


Businesses in possession of personally identifiable information may be held liable for privacy breaches caused by their vendors or other third parties. As the owner of the data, your business is ultimately responsible for protecting it.

5. Does your business use mobile technology (e.g., smartphones, tablets, laptops)? Yes/No


Loss of mobile devices and the electronic content contained therein is one of the leading causes of data breaches today.

6. Does your business accept credit card payments, other electronic payments or have online bill pay? Yes/No


Over 25% of all data stolen is credit card and other payment information.2 This is a category of data that is highly desired by criminals for resale on the black market.

7. Does your business allow employees to use personal devices to connect to your network? Yes/No


Personal devices may not have the same security software and other connectivity procedures as company-provided devices. As a result, when these personal devices are connected to your network, there may be a higher exposure to virus or malware threats.

8. Does your business train employees on proper email use and other privacy issues? Yes/No


Employee negligence and/or errors are one of the top three contributors of lost/stolen data.

It only takes one of these to warrant the need for

Cyber Liability/Data Breach coverage!

Contact us and get protected against a cyber liability / data breach today!

Premiums are very affordable and underwritten by top rated carriers.

go to or e mail us at

About FuscoInsuranceAgency

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This entry was posted in Cyber Liability, Cyber Liability - The Must Have Coverage, Cyber Liability Data Breach Protection, Cyber Liability Insurance, Cyber Liability Insurance NY NJ, Cyber liability insurance policy quotes, Cyber Liability Insurance Quote, data breach, data breach coverage, Data breach insurance coverage, Data breach protection, Insurance & Financial Planning and tagged , . Bookmark the permalink.

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