In today’s connected world, the greatest threat to your business might not walk through your doors — it could arrive in an email.
At Eastman Insurance Solutions (EIS Texas), we go Beyond the Coverage™ by helping Texas businesses protect against the growing risk of cyber attacks, ransomware, and data breaches.
Our Cyber Liability Insurance programs are designed to defend your business, your clients, and your reputation — so one digital mistake doesn’t lead to financial disaster.
What Is Cyber Liability Insurance?
Cyber Liability Insurance covers your financial losses and legal obligations if your business suffers a data breach, ransomware attack, or other cyber event that compromises sensitive data.
This may include stolen or exposed:
- Customer Social Security numbers
- Credit card or bank account information
- Driver’s license details
- Employee records
- Protected medical or financial data
If you handle, store, or transmit any private information, cyber insurance isn’t optional — it’s essential.
Why General Liability Doesn’t Cover Cyber Risks
Traditional General Liability Insurance protects against bodily injury or property damage — not digital damage.
Cyber attacks cause intangible losses, such as data theft, system shutdowns, and privacy breaches. These aren’t covered by general liability or property insurance, leaving businesses dangerously exposed without a dedicated cyber policy.
What Cyber Liability Insurance Covers
A well-structured Cyber Insurance policy covers both first-party losses (your direct costs) and third-party claims (liability to others).
Typical coverage includes:
- Incident response & legal defense costs
- Customer notification & identity restoration
- Data recovery & system restoration
- Cyber extortion and ransomware payments
- Business interruption from cyber events
- Regulatory fines and penalties (where applicable)
- Reputation management & PR expenses
With EIS Texas, you get access to top-rated carriers and dedicated cyber response teams who act fast to contain the damage and restore your operations.
The Evolving Cyber Threat Landscape
Cyber crime isn’t just targeting large corporations — small and mid-sized businesses are now the most common victims, often because attackers know they lack full-time IT security.
In Texas alone, cyber attacks cost businesses millions each year, often through:
- Phishing & social engineering scams
- Ransomware attacks and extortion
- Vendor or third-party system breaches
- Malicious or accidental insider errors
Our team integrates risk management practices into every cyber policy — from employee awareness training to system audit recommendations — ensuring your insurance strategy aligns with your prevention strategy.
What to Look for in a Cyber Insurance Policy
When comparing policies, consider these key factors:
- Coverage Type: Choose a standalone policy rather than a small add-on for comprehensive protection.
- First-Party vs. Third-Party Coverage: Ensure both are included for internal recovery and external liability.
- Social Engineering Coverage: Protect against phishing, impersonation, and fraudulent transfers.
- Retroactive Coverage: Covers breaches discovered months or years after they occur.
- Deductibles & Limits: Evaluate cost-sharing carefully to balance protection and affordability.
EIS Texas partners with leading carriers like Chubb, Travelers, and The Hartford, ensuring your coverage matches your exposure — not just your budget.
The EIS Leadership Advantage
We do more than place policies — we help you lead with resilience.
Through our Beyond the Coverage™ Partnership, we provide:
- Comprehensive risk reviews to assess data vulnerabilities
- Incident response planning for faster recovery
- Ongoing policy monitoring as your technology evolves
- Claims advocacy and regulatory guidance during breach response
At EIS, our mission is to help your business defend what matters most — your reputation, trust, and future.
Get Started – Schedule a Risk Consultation
Don’t wait until after a breach to realize your exposure.
Let’s build a cyber protection plan that meets your industry’s compliance requirements and your clients’ expectations.
Or call our Texas office to discuss your cyber risk profile with a member of our commercial insurance team.
FAQ – Cyber Liability Insurance in Texas
Does my business really need cyber insurance?
If you store customer data, process payments, or rely on cloud systems, yes. Even a small data breach can trigger legal costs and reputational damage.
What’s the difference between first-party and third-party cyber coverage?
First-party covers your company’s losses (like system repairs and lost income). Third-party covers claims from others affected by your breach.
Does cyber insurance cover employee mistakes?
Yes — many policies include coverage for non-malicious employee errors that cause data loss or unauthorized access.
Can cyber insurance help if I’m targeted by ransomware?
Absolutely. Policies can cover ransom payments, negotiation costs, and data restoration services to get your systems back online.