While cyber insurance and cyber liability are related concepts, they serve different protective purposes for your business.
Cyber insurance is a comprehensive policy that protects your business from financial losses resulting from cyber attacks, data breaches, and digital threats. It covers both your own losses and third-party claims.
Cyber liability is specifically the legal responsibility your business faces when a cyber incident causes harm to third parties. It's one component of comprehensive cyber insurance.
First-party cyber coverage protects your own business losses directly resulting from a cyber incident.
Third-party cyber liability protects your business against claims from customers, partners, and other affected parties.
| Coverage Type | Cyber Insurance | Cyber Liability Only |
|---|---|---|
| Data Breach Response | Yes | No |
| Business Interruption | Yes | No |
| Ransomware Recovery | Yes | No |
| Third-Party Claims | Yes | Yes |
| Legal Defence Costs | Yes | Yes |
| Regulatory Fines | Yes | Yes |
| Notification Expenses | Yes | Limited |
| Forensic Investigation | Yes | No |
| Crisis Management | Yes | Limited |
| System Restoration | Yes | No |
Situation: Your business is hit by ransomware that encrypts critical systems.
Cyber Insurance covers:
Cyber Liability covers:
Situation: Hackers steal customer data from your systems.
Cyber Insurance covers:
Cyber Liability covers:
Comprehensive cyber insurance includes both first-party and third-party coverage, protecting your business from all angles of cyber risk.
Relying on cyber liability alone leaves your business exposed to significant uninsured losses.
Is cyber liability the same as cyber insurance?
Can I get cyber liability without cyber insurance?
What's the difference between first-party and third-party cyber coverage?
Does cyber insurance cover GDPR fines?
Which is more important: cyber insurance or cyber liability?
Don't leave your business exposed. Insure24 provides comprehensive cyber insurance that includes both first-party and third-party protection.
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