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Cyber Liability Insurance RISCO Insurance Brokerage Inc. offers a Cyber Liability Insurance program designed for independent agents and brokers who need reliable markets and flexible coverage for clients facing digital exposures. Data breaches and privacy incidents are common — this program helps your clients manage the costs of incident response, regulatory exposures, and reputational damage while giving you market access through an experienced MGA and E&S broker. Overview of the Program from RISCO Insurance Brokerage Inc. This program provides tailored cyber and privacy protection for small and mid-size businesses across multiple industries. RISCO places coverage with various admitted and surplus markets, offering solutions that combine first-party incident response with third-party liability defense for privacy and network security claims. Coverage can include notification and monitoring, forensic and legal services, regulatory defense, and public relations support. Ideal Accounts and Appetite This program is a good fit for agents with clients who need practical cyber protection but do not require large, enterprise-level limits. Typical target classes include: Medical and dental practices, behavioral health and small healthcare providers Retail and restaurants (including PCI exposures) Professional services — accountants, consultants, lawyers Technology and software firms, managed service providers (select accounts) Nonprofits, real estate firms, and small financial services firms Accounts that have reasonable security controls, written privacy policies, and no recent unresolved breaches usually place most smoothly. High-frequency breach histories, unmanaged legacy systems, or certain highly regulated/complex cyber operations may require referral or higher limits through specialty markets. Coverage Highlights and Advantages The program includes the core cyber coverages agents expect, with options to tailor limits and services: Notifications costs and credit/identity monitoring Information Security & Privacy Liability Regulatory defense and penalties (where insurable) Website and media content liability Crisis management and public relations expenses PCI fines and related costs Computer forensics and incident response Cyber extortion/ransomware coverage RISCO’s placement advantage is access to multiple markets and flexible terms for admitted and E&S capacity, enabling competitive quotes and tailored endorsements for common SME exposures. Underwriting Notes and Minimum Premiums Underwriting focuses on the applicant’s data security practices, incident history, and the sensitivity of data handled. Typical submission requirements include an application with security controls, recent breach history, and details on data types stored or processed. Minimum premium: $750. Because markets differ in appetite and form, RISCO will route submissions to the most appropriate admitted or E&S carrier depending on exposure and state requirements. Territories and Availability This program is available in CT, FL, ME, MA, NH, NY, RI and VT. RISCO works with multiple carriers and markets to place business in the most suitable admitted or surplus lines paper based on the insured’s location and risk profile. Why Work With RISCO Insurance Brokerage Inc. on Cyber Liability As a Managing General Agency and Excess & Surplus Lines broker, RISCO combines underwriting expertise with wide market access. You benefit from: Access to various admitted and E&S carriers for competitive placement Experienced cyber underwriting that understands SME exposures Flexible coverage modules and incident response options that agents can present to clients Practical guidance on submission preparation to improve placement speed Example scenarios: You have a retail client that accepts card payments and wants protection for PCI fines, notification costs, and forensic services after a breach — this program can provide tailored limits and monitoring services. You represent a small medical practice that stores patient records and needs coverage for HIPAA-related defense costs, breach notifications, and post-breach PR — this program targets those exposures with appropriate endorsements. Submit with a completed application, description of security controls, and any prior incident history to help RISCO place the account efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Small-to-mid-size businesses across healthcare, retail, professional services, technology, nonprofits and similar classes. The program targets organizations with documented security controls and manageable breach histories. Is this coverage available on admitted paper or only surplus lines?RISCO places business with various carriers and can access admitted or excess & surplus markets as appropriate. Market availability will depend on the insured’s state, exposure and limits requested. What is the minimum premium and typical submission requirements?The program has a minimum premium of $750. Typical submissions should include a completed cyber application, description of security controls (firewalls, MFA, backups), and any prior breach/incident history. What should I expect after a reported incident?Policies usually provide access to forensic investigators, breach notification support, credit/identity monitoring providers and public relations services. Exact services depend on the carrier and endorsements placed for the account. Need help placing an account? Connect with a market specialist.

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Expertise. Solution. Service. MAXIMUM offers a specialized Cyber Liability and Data Security insurance program designed to help agents and brokers protect their clients from the growing risk of cyber threats. As a trusted wholesale broker, MAXIMUM provides access to competitive cyber coverage that addresses a wide array of exposures—from data breaches to identity theft—for small to mid-sized businesses across a wide range of industries. Ideal Accounts and Appetite This program is tailored for businesses with annual revenues under $15 million. It suits a broad mix of industries, including professional services, retail, hospitality, healthcare, contractors, and more. Some target classes include: Accountants, architects, engineers, and consultants Restaurants, bars/taverns, convenience stores, and caterers Doctors, dentists, physical therapists, and home health aides Retailers, auto repair shops, printers/publishers* Property managers, real estate agencies, and insurance agencies Artisan contractors, janitorial services, and landscapers Non-profits, day cares, libraries, and e-commerce operations *Note: Part C Website Liability is not available for certain classes. This program is not suitable for high-exposure or heavily regulated industries, such as banks, law firms, hospitals, social networking platforms, or IT manufacturers. Risks with over $25 million in receipts or poor loss history (two or more related claims in the past five years) are also ineligible, as are risks located in AL, LA, MS, or WV. Coverage Highlights and Advantages MAXIMUM’s Cyber Liability and Data Security program offers robust protection across multiple exposures: Available Limits: • Part A - Data Breach and Security Breach Liability: Up to $1 million • Up to $250,000 per claim for regulatory defense • Up to $100,000 per claim for PCI fines and penalties • Part B - Data Breach Expense: Up to $1 million • Up to $25,000 for cyber extortion expense • Business interruption and data restoration available • Part C - Website Liability: Up to $1 million • Part D - Identity Theft Coverage: Up to $100,000 Product Advantages: • Expenses for data breach, website liability, and identity theft are paid as incurred • Separate aggregate limits per coverage part, with optional combined limit • Website liability extends to social media platforms • Competitive premiums with average policies around $1,000 • Backed by carriers rated A- or better by AM Best Underwriting Notes • Retentions start at $2,500 • Identity theft coverage retention starts at $0 Quick underwriting and responsive service make MAXIMUM an ideal partner for agents placing cyber liability coverage for small to mid-sized businesses. You might have a retail store client with an e-commerce platform or a local doctor’s office that handles sensitive patient data—both are solid fits for this program. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and WA. Coverage is offered on a non-admitted basis in most states, allowing for flexible underwriting and tailored solutions. Why Work With MAXIMUM MAXIMUM is a national wholesale brokerage known for delivering smart, responsive solutions for complex and emerging risks. With a dedicated Cyber Liability and Data Security program, they combine market access, underwriting strength, and excellent service to help agents succeed in protecting their clients from cyber threats. When you work with MAXIMUM, you gain a partner committed to placing the right coverage quickly and efficiently. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this cyber liability program?This program is best suited for small to mid-sized businesses with under $15 million in annual revenue. Ideal classes include professional services, retail, hospitality, healthcare, contractors, and non-profits. What are some examples of ineligible risks?Ineligible risks include banks, law firms, IT manufacturers, adult entertainment, medical labs, social networking platforms, and businesses with more than $25 million in receipts or multiple recent cyber-related claims. What coverage parts are included in the policy?The policy includes four main parts: Data Breach and Security Breach Liability, Data Breach Expense, Website Liability, and Identity Theft Coverage. Limits can go up to $1 million for most parts. Is website liability included for all industries?No, website liability (Part C) is not included for certain industries such as printer/publisher, advertising firms, and condo/homeowner associations. What states is this program available in?The program is available in most states, excluding AL, LA, MS, and WV. It is offered on a non-admitted basis in many locations. Need help placing an account? Connect with a market specialist.

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