Overview of the Program From IBSL
IBSL’s cyber risk program is built around three proprietary product lines—SafeBusiness™, SafeLiability+™, and SafeEnterprise™—each structured to address the specific needs of different business types. Whether your client is a small business using email and storing data, a technology consultant selling software and hardware, or a large-scale eCommerce platform, IBSL can help you find the right fit.
Ideal Accounts and Appetite
This program is well-suited for a wide range of commercial insureds, including but not limited to:
- SafeBusiness™: Any business—regardless of size—that uses email, maintains a website, or stores customer data electronically. Ideal for retail stores, service providers, and professional offices.
- SafeLiability+™: Technology consultants, IT professionals, and value-added resellers who offer professional services alongside selling hardware/software.
- SafeEnterprise™: Companies engaged in software development, data processing, application hosting, web publishing, eCommerce, and payment processing. Also includes businesses offering professional services via the Internet.
You might have a client who owns a regional eCommerce site storing customer payment data, or a tech consultant who develops apps and installs software for clients—both are excellent fits for this program.
Coverage Highlights and Advantages
- Protection against data breaches, privacy violations, and network security failures
- Media liability coverage for online content and communications
- Technology Errors & Omissions (E&O) tailored to digital service providers
- Coverage designed to fill the gaps left by traditional general liability and property policies
Each product is underwritten with the needs of modern businesses in mind, offering modular coverage options that can be scaled to match your client’s risk profile and operational complexity.
Underwriting Notes and Minimum Premiums
IBSL can assist with accounts of all sizes, from small operations to large technology firms. Coverage is written on a non-admitted basis through top-rated carriers including Lloyd's and ACE. Please contact IBSL for underwriting guidelines and specific pricing details.
Territories and Availability
The Internet Liability and Cyber Risk Program is available in most U.S. states, including CA, FL, TX, NY, IL, and others. IBSL serves agents and brokers across the country, offering broad access to this specialized program.
Why Work With IBSL on Cyber Risk Business
IBSL brings deep expertise in hard-to-place risks and specialty commercial coverages. Their proprietary product structures and access to strong markets allow agents to confidently place business that may not fit standard cyber or tech E&O offerings. With responsive service and a solution-oriented mindset, IBSL is a valuable partner for agents seeking to protect their clients in the digital age.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits a wide range of businesses including retailers, service firms, IT consultants, software developers, eCommerce sites, and payment processors.
Is the program available nationwide?
The program is available in most U.S. states, including CA, TX, NY, FL, and many others. Contact IBSL to confirm availability in your client’s state.
What carriers are used for this program?
Policies are placed through top-rated non-admitted markets including Lloyd’s and ACE.
Are there different coverage options depending on the type of business?
Yes. IBSL offers three tailored options—SafeBusiness™, SafeLiability+™, and SafeEnterprise™—to match the coverage needs of different business types and technology exposures.
What makes IBSL a strong partner for cyber risk placements?
IBSL offers proprietary products, underwriting expertise, and access to strong surplus lines markets, making them an excellent resource for agents handling complex or tech-driven accounts.
Need help placing an account? Connect with a market specialist.