Cyber Liability Insurance Program from J.M. Wilson
J.M. Wilson offers Cyber Liability Insurance solutions designed to help agents and brokers protect clients from the financial and reputational risks associated with cyber events. As a Managing General Agency and Excess & Surplus Lines Broker, we provide access to both admitted and non-admitted markets to help you place difficult or unique cyber liability risks.
From data breaches and ransomware to social media liability and theft of digital assets, our program responds to a broad range of exposures that modern businesses face. With our experienced brokerage underwriters, you’ll receive personalized guidance to help navigate this complex and often overlooked line of coverage.
Ideal Accounts and Target Classes
Cyber threats can impact nearly every type of business, but our program is especially well-suited for:
- Insurance Agencies and Brokers
- Medical Facilities, Clinics, and Telemedicine Practices
- Retailers (Online and Brick-and-Mortar)
- Professional Services Firms
- Payroll and Medical Billing Services
- Car Dealerships
- Internet-Based Businesses
- Laboratories and Blood Centers
Whether your client is a rural hospital storing electronic medical records or a small e-commerce retailer managing customer payment data, our Cyber Liability program has flexible options to meet their risk profile.
Coverage Highlights
- Data Breach & Privacy Liability (Third-Party Coverage):
- Protects against liability from unauthorized access to third-party confidential data.
- Broad definition of “unauthorized access,” including paper record theft/loss.
- Includes defense for privacy breach investigations and regulatory claims.
- Data Breach Loss to Insured (First-Party Coverage):
- Costs to restore the insured’s data.
- Reimbursement for theft of money and securities via unauthorized access.
- Extra expenses incurred during breach recovery.
- Electronic Media Liability:
- Coverage for online content involving libel, slander, defamation, or unintentional publication of private data.
- Infringement of intellectual property such as trademarks and copyrights.
- Supplementary Payments: Includes breach mitigation costs and reward reimbursements beyond the limits of liability.
See Additional Features and 5 Common Myths of Cyber Liability Insurance here.
Underwriting and Market Access
We represent a number of carriers, both admitted and non-admitted, allowing us to offer flexible solutions to fit a wide range of business models and risk levels. Whether your client is new to cyber insurance or requires high-limit, specialized protection, we can help structure coverage that matches their needs.
Available States
Our Cyber Liability Insurance program is available to agents and brokers in the following states:
AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, PA, SC, TN, VA, WV, WI
Why Work with J.M. Wilson?
With decades of experience and a deep understanding of E&S markets, J.M. Wilson delivers more than just access to coverage — we provide the underwriting insight, carrier relationships, and responsive service that agents need to confidently place cyber liability risks. Our team is here to help you and your clients stay protected in an evolving digital landscape.
If your customer owns a business, they have a cyber exposure — and J.M. Wilson is your partner in securing the right protection.
Frequently Asked Questions
What types of accounts are a good fit for this Cyber Liability program?
This program is ideal for businesses that store sensitive data, process transactions online, or rely heavily on digital systems. Common classes include medical providers, retailers, insurance agencies, and professional services firms.
Can this coverage extend to social media and online content exposures?
Yes. The program includes electronic media coverage, which helps protect against claims involving libel, slander, defamation, or accidental disclosure through online platforms.
Does this program offer both first-party and third-party coverage?
Yes. Coverage includes first-party losses such as data restoration and theft, as well as third-party liability related to breaches of confidential information.
Need help placing an account? Connect with a market specialist.