Your Business Lives Online. Is Your Protection Digital-Ready?
One click can expose everything you’ve built. We create cyber defenses that protect your data, your reputation, and your bottom line from the threats that keep you up at night.
What Is Cyber Insurance?
Cyber insurance protects your business when the digital world turns against you. When hackers breach your systems, ransomware locks you out, customer data gets stolen, or a simple employee mistake exposes sensitive information, this coverage becomes your financial lifeline.
The truth is sobering: cyberattacks are no longer a matter of “if” but “when.” Small and medium-sized businesses are prime targets precisely because hackers assume you’re less protected than large corporations. A single breach can cost hundreds of thousands in recovery expenses, legal fees, regulatory fines, and lost business. Even if you never experience an attack, the investigation alone can drain resources you can’t afford to lose.
Cyber insurance handles the immediate crisis costs, ongoing recovery expenses, legal obligations, and the reputation management needed to maintain customer trust when your systems are compromised.
Why Your Business Can't Ignore Cyber Risk
The right coverage shields your business from data breaches, cyberattacks, and costly downtime that could compromise your operations or client trust.
You're More Vulnerable Than You Think
If your business uses email, stores customer information, processes payments, or relies on computer systems to operate, you're exposed. Cybercriminals don't discriminate by company size, they look for easy targets. Outdated software, weak passwords, untrained employees, and basic security gaps create opportunities that hackers exploit daily. One phishing email opened by a well-meaning employee can give criminals complete access to everything you've built.
The Real Cost of a Cyber Incident
A cyberattack doesn't just hit your bank account once. It bleeds you dry from multiple directions. Forensic investigators charge thousands to determine what happened. Legal teams bill by the hour to navigate notification requirements. Regulatory bodies may impose fines for data protection failures. Your customers lose trust and take their business elsewhere. Your operations grind to a halt while you scramble to recover. The average cost of a data breach for small businesses exceeds $200,000, and many never fully recover.
Regulatory Requirements Are Getting Stricter
Data privacy laws now hold businesses accountable for protecting customer information. If you're breached, you're legally required to notify affected individuals, often within strict timeframes. Failure to comply brings additional fines and potential lawsuits. Cyber insurance doesn't just protect your finances; it provides access to specialists who understand these complex requirements and help you stay compliant.
Your Reputation Is On The Line
Trust takes years to build and seconds to destroy. When customers hear that their personal information, payment details, or private data was compromised in your systems, many will never return. Cyber insurance includes crisis management and public relations support to help you communicate effectively, demonstrate responsibility, and begin rebuilding trust with your market.
Our Prevent365 approach starts with understanding how your business actually operates online, then builds protection that addresses your specific technology stack, data types, and human factors that create the most risk.
When a breach occurs, you need immediate expert help. Coverage includes forensic investigators to determine what happened, legal counsel to guide your response, notification services to contact affected individuals, and credit monitoring services for those impacted. These costs add up quickly, but this coverage handles them from day one.
Getting back to business after an attack requires specialized technical work. Coverage pays for data recovery specialists, system restoration efforts, and the IT costs needed to rebuild your digital infrastructure. This includes recovering lost data, repairing damaged systems, and implementing new security measures.
When systems go down, revenue stops but expenses continue. This coverage replaces lost income during the downtime and helps cover continuing costs like payroll and rent while you recover. It bridges the financial gap that could otherwise sink your business during extended recovery periods.
Ransomware attacks often force impossible choices. This coverage includes expert negotiators who work to reduce demands, and when payment becomes the only option to recover your systems, the insurance covers the ransom itself. It also pays for the cryptocurrency consultants and other specialists needed in these situations.
When customer or employee data is compromised, lawsuits often follow. This covers legal defense costs and settlements when you’re sued for failing to protect personal information, whether it’s credit card data, health records, or any other sensitive information you handle.
Data protection laws have teeth, and regulators actively investigate breaches. Coverage includes legal representation during regulatory investigations and can cover certain fines and penalties resulting from privacy law violations, depending on your policy structure.
If hackers use your compromised systems to attack others, you could be held liable. This coverage protects you when your network security failure leads to damage to third parties, including covering defense costs and resulting settlements.
Specialized for attorneys and law firms covering missed statute of limitations, conflicts of interest, inadequate legal research, document preparation errors, and fiduciary breaches.
Coverage for accountants, financial advisors, insurance agents, and mortgage brokers. Addresses unsuitable investment recommendations, tax preparation errors, audit failures, and breach of fiduciary duty allegations.
Protection for business consultants, HR advisors, and management firms. Covers claims that strategic advice, operational recommendations, or organizational guidance resulted in client financial losses.
Sophisticated scammers impersonate executives, vendors, or clients to trick employees into transferring funds or revealing sensitive information. This coverage protects against financial losses from these deceptive schemes that bypass traditional security measures.
When cybercriminals compromise your systems to initiate unauthorized electronic fund transfers, this coverage helps recover the stolen money and covers associated costs. It’s essential protection for businesses that regularly move money electronically.
Your digital presence creates liability exposure. This covers claims of copyright infringement, defamation, or invasion of privacy arising from your website content, social media posts, or online marketing activities.
Industry Expertise
Decades of experience across multiple industries, giving us deep insight into sector-specific risks and solutions.
Core Values
We prioritize long-term relationships over short-term sales, ensuring your success is our primary goal.
Risk Evaluation Process
Our proprietary Prevent365 methodology ensures comprehensive risk assessment before coverage placement.
Consultative Approach
We're your risk management partners, not just insurance brokers, providing ongoing support and strategic guidance.
Ready to Protect Your Business From Cyber Threats?
Every day you operate without proper cyber insurance is a day you’re gambling with everything you’ve built. Get the comprehensive protection your business needs to operate confidently in our digital world.
Small businesses are actually at higher risk because cybercriminals assume you have weaker defenses than large corporations. Cyber insurance isn’t about company size, it’s about digital exposure. If you store any customer information, accept electronic payments, or rely on computer systems to operate, you need protection.
Premiums are based on your revenue, industry, type of data you handle, security measures you have in place, claims history, and your overall digital footprint. Businesses with strong security practices, employee training programs, and incident response plans typically qualify for better rates. We help you understand which security improvements will have the biggest impact on both your protection and your premium.
Yes, most cyber insurance policies include ransomware coverage, which typically covers the ransom payment itself, negotiation services, and the costs to restore your systems. However, coverage details vary significantly between policies. Some require specific security measures to be in place before an attack. We ensure you understand exactly what’s covered and help you implement the requirements to maintain full coverage.
General liability covers physical injuries and property damage. Cyber insurance covers digital risks, data breaches, network security failures, ransomware, business interruption from cyber events, and electronic theft of funds. These are completely different exposure types that require specialized coverage. Most general liability policies explicitly exclude cyber risks, leaving a dangerous gap if you assume you’re protected.
We conduct actual digital risk assessments before quoting coverage, rather than relying on generic questionnaires that miss critical vulnerabilities. Our Prevent365 methodology helps you strengthen security to prevent attacks, not just pay for damage after they occur. We provide ongoing support to improve your cyber posture, which reduces risk and often lowers premiums over time. Most importantly, we’re technical enough to understand your actual exposures and experienced enough to design coverage that works when you need it most.
Need to File a Claim? We’re ready to help you get started.
Start reporting your claims online
Email Us
info@winter-dent.com
Call Us
(573) 634-2122