Privacy/Cyber Liability Insurance

Overview of the Program from Capitol Special Risks

Capitol Special Risks is a wholesale broker with strong expertise in hard-to-place and emerging liability exposures. Our Privacy/Cyber Liability Insurance program is built for today’s digital environment, where even a simple employee error or accidental data leak can result in significant financial and reputational damage. We work with multiple carriers to offer non-admitted coverage that helps your clients respond to cyber events swiftly and effectively.

Ideal Accounts and Appetite

This program is well-suited for:

• Healthcare providers and medical billing companies
• Insurance agents, brokers, and TPAs
• Retailers, product vendors, and e-commerce businesses
• Financial services providers and professional firms

You might have a client who runs a healthcare practice and stores patient information electronically. One misdirected email or ransomware attack can trigger a costly response—this program helps them manage those risks.

Coverage Highlights and Advantages

Our Privacy/Cyber Liability policies are designed to fill critical gaps left by general liability and professional liability coverage. Key policy features may include:

• Privacy and network security liability
• Media and website liability
• Notification costs and credit monitoring services
• Corporate identity theft protection
• Network extortion (ransomware)
• Regulatory defense and penalties
• Forensic investigation expenses
• Business interruption due to cyber incidents
• Public relations/crisis management coverage
• Rogue employee coverage (fraud and dishonesty)

These policies not only help clients meet regulatory requirements but also assist in managing post-breach costs and recovery efforts.

Underwriting Notes and Minimum Premiums

Minimum premiums vary based on the risk profile and desired limits. Our team works with you to find the right market fit and expedite the quoting process—often with fast turnaround and no broker fees.

Territories and Availability

Our Privacy/Cyber Liability Insurance program is available in all 50 states, including DC. No matter where your client is located, we can help you find a competitive solution.

Why Work with Capitol Special Risks?

With decades of experience in specialty liability lines, Capitol Special Risks is a trusted partner for cyber and privacy exposures. We’ve done the market research to bring you access to top carriers offering tailored cyber solutions. Whether your client is a small business or a growing enterprise, we can help you deliver the right protection quickly and efficiently.

Contact us today to discuss your clients’ cyber liability needs.