Standard business insurance doesn't cover data breaches, ransomware, or cyberattacks. A cyber liability policy protects your data, your customers, and your financial stability when digital threats strike.
Small and mid-sized businesses are the most common targets for cyberattacks — and the least likely to have protection. If your business stores customer names, email addresses, credit card numbers, or any sensitive data, a single breach could cost you thousands in recovery, legal fees, regulatory fines, and lost customer trust.
Standard business insurance policies — including your BOP, general liability, and commercial property — do not cover cyber-related losses. That means ransomware attacks, phishing scams, data breaches, and system outages are completely unprotected unless you have a dedicated cyber liability policy in place.
Cyber threats are growing every year — and Midwest businesses are not exempt. We help you get the right cyber liability coverage quickly, affordably, and with a policy you actually understand.
Get a Cyber Liability Quote →Most small businesses don't have cyber coverage — and don't realize it until a breach happens. Let us review your exposure and close that gap today.
Get a Free Quote →660-665-1687 · 660-754-1000
A comprehensive cyber policy covers first-party losses to your business and third-party liability claims from affected customers and partners.
Covers the cost of responding to a data breach — customer notification, credit monitoring services, forensic investigation, and public relations expenses required by state law.
Covers ransom payments, negotiation costs, and system restoration expenses when hackers lock your data or threaten to release sensitive information unless you pay.
Covers lost income and extra expenses when a cyberattack or system failure shuts down your operations. Helps keep your business financially stable while you recover.
Covers legal defense costs, settlements, and judgments if a customer or client sues you because their data was exposed in a breach at your business. Essential if you handle client data.
Pays for hiring cybersecurity experts to investigate the breach — determine how it happened, what data was compromised, and how to prevent it from happening again.
Covers fines and penalties imposed by state or federal regulators after a data breach — including PCI compliance fines for businesses that process credit card payments.
Covers the cost of hiring public relations professionals to manage your reputation after a breach — communicating with customers, media, and stakeholders to restore trust.
Covers the cost of restoring, recreating, or recovering data that was damaged, destroyed, or corrupted during a cyberattack — getting your systems back to operational status.
We assess your digital exposure, data handling, and industry risk to find the right coverage.
Talk to an Agent →If your business collects, stores, or processes any type of sensitive data — you need cyber liability protection. Here are the most common industries we serve.
Accountants, attorneys, consultants, and financial advisors handle sensitive client data daily. A breach could expose confidential records and trigger lawsuits from affected clients.
Any business that accepts credit cards or processes digital payments is a target. PCI compliance fines alone can be devastating after a data breach.
Medical practices, clinics, and healthcare businesses store protected health information (PHI). HIPAA violations after a breach carry severe penalties and legal exposure.
Real estate firms handle sensitive financial data, SSNs, and transaction records. Wire fraud and phishing attacks targeting real estate transactions are on the rise.
Nonprofits collect donor information, volunteer records, and financial data. They're often targeted because they typically have weaker cybersecurity than larger organizations.
Modern farms rely on digital systems for precision agriculture, financial records, and crop insurance data. A cyberattack during planting or harvest season could be catastrophic.
If your business stores customer information, processes payments, or uses email — you're a target. Let us find the right cyber coverage at the right price.
Get a Free Quote →660-665-1687 · 660-754-1000
Every state has different data breach notification laws and regulatory requirements. We help businesses across Missouri, Iowa, Kansas, and Illinois stay compliant and protected.
Missouri requires businesses to notify affected individuals after a data breach. We help MO businesses meet compliance requirements with the right cyber policy.
Learn More →Iowa's data breach notification law requires prompt disclosure. We ensure Iowa businesses have coverage that includes breach response and notification costs.
Learn More →Kansas businesses handling personal data must comply with state breach notification statutes. We build cyber policies that cover regulatory requirements and legal defense.
Learn More →Illinois has some of the strictest data privacy laws in the country, including BIPA. We ensure your cyber policy covers the unique regulatory landscape in Illinois.
Learn More →Getting the right cyber protection through Brawner is straightforward. Here's how it works.
Share details about your industry, the type of data you handle, your digital operations, and your current cybersecurity measures. We'll assess your risk profile and exposure.
As an independent agency, we compare cyber liability options from over 50 carriers — standalone policies, BOP endorsements, or bundled coverage — to find the best fit for your business.
Once you choose your policy, we handle everything. You'll have breach response support, claims assistance, and a team that reviews your coverage as your business and digital risks evolve.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about fire and EMS coverage, risks, and solutions for districts across Missouri.
Watch on YouTube →Have questions about cyber liability coverage?
Schedule a Consultation →See why businesses trust Brawner Insurance to protect their operations, data, and customers.
"If you're shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
Cyber liability insurance covers costs related to data breaches, ransomware attacks, cyber extortion, business interruption from system outages, forensic investigations, customer notification, credit monitoring, legal defense, regulatory fines, and crisis management. Policies are split into first-party coverage (your direct losses) and third-party coverage (lawsuits from affected clients or customers).
No. Standard general liability and business owner's policies (BOPs) do not cover cyber-related losses. Some carriers offer a basic cyber endorsement that can be added to a BOP, but standalone cyber liability policies provide significantly broader protection — especially for businesses that handle sensitive customer data or rely heavily on digital systems.
Costs vary based on your industry, the volume and type of data you handle, your revenue, the number of records you store, and your current cybersecurity measures. Many small businesses can get coverage for a few hundred dollars per year. As an independent agency, we compare options from 50+ carriers to find the most competitive rate for your specific risk profile.
First-party coverage protects your business directly — it pays for data recovery, business interruption losses, ransomware payments, notification costs, and forensic investigation after a breach at your company. Third-party coverage protects you against lawsuits from customers, clients, or partners whose data was exposed because of a breach at your business. Most businesses need both.
Yes. Small businesses are actually the most common targets for cyberattacks because they typically have weaker security than large corporations. Nearly half of all cyberattacks target small businesses, and the average cost of a breach can exceed $200,000 — enough to close many small businesses permanently. Cyber coverage is affordable and provides critical financial protection.
Yes. Most cyber liability policies cover breaches caused by employee error — including clicking phishing links, falling for social engineering scams, accidentally sending sensitive data to the wrong person, or losing a device containing customer information. These are actually among the most common causes of data breaches for small businesses.
Don't wait for a breach to find out you're unprotected. Let us build a cyber liability policy that shields your data, your customers, and your business.
Get a Free Cyber Liability Quote →660-665-1687 · 660-754-1000