$1M
Policy limit
Insurance
Breach · ransomware · interruption
Get cyber liability insurance. For when breaches happen.
Cyber liability insurance covers the financial fallout of breaches and incidents: breach notification costs, credit monitoring for affected customers, ransomware payments, business interruption losses, regulatory fines, defense costs. The average breach now costs $4.5M+ (IBM Cost of a Breach Report). We compare cyber quotes from specialty carriers including Coalition, Vouch, Beazley, and AIG.
How it works
How we handle Cyber Liability, end-to-end.
Cyber liability insurance covers the financial fallout of breaches and incidents: breach notification costs, credit monitoring for affected customers, ransomware payments, business interruption losses, regulatory fines, defense costs.
1
Risk profile
We assess your data: customer PII, payment data, health data, intellectual property. Industry, revenue, security posture (MFA, EDR, backups), and prior incidents drive pricing.
2
Carrier comparison
We submit to specialty cyber carriers (Coalition, Vouch, Beazley, AIG, Travelers) and traditional carriers offering cyber endorsements. Specialty markets often better for tech businesses.
3
Coverage selection
First-party (your costs): breach response, ransomware, business interruption. Third-party (claims against you): regulatory fines, customer class actions. Standard $1M-$5M limits.
4
Bind + incident response retainer
Most cyber policies include access to incident response panels (Mandiant, CrowdStrike, etc.) at preferred rates. We help you set up the relationship before an incident.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent cyber liability pricing.
Government fees pass through at cost. No upsells.
Standard quote
$0
Free quote, you bind direct.
Quote from 20+ cyber carriers. Annual premium varies wildly by industry and security posture: $500-$5,000/yr for small low-risk; $5,000-$50,000/yr mid-market; $50K+ for enterprise.
Get startedE&O + Cyber bundle
$0
Combined for tech businesses.
For SaaS and tech businesses: bundled E&O and cyber from Coalition, Vouch, or Beazley. Single carrier, single policy, often lower combined premium.
Get startedMulti-line broker
$0
Full insurance broker relationship.
Cyber as part of full broker relationship: GL, E&O, cyber, D&O, key person. Coordinated renewals and claim support.
Get started FAQ
About the Cyber Liability Insurance Service.
Do I need cyber insurance?
If you store customer data, accept payments online, or run on tech infrastructure, yes. The cost of a single breach often exceeds the policy limit; cyber insurance is a critical layer. Most enterprise customers require it on B2B contracts.
What is first-party vs. third-party coverage?
First-party: your costs (breach response, ransomware, business interruption). Third-party: claims against you (customer class actions, regulatory fines). Most cyber policies cover both.
Does cyber cover ransomware?
Most do, with sublimits and conditions. Carriers increasingly require MFA, EDR, and backups as prerequisites for ransomware coverage. We help you meet underwriting requirements.
What does cyber not cover?
Bodily injury (need GL), property damage to your own assets (need property/BOP), professional services errors (need E&O), employment claims (need EPLI). Cyber is for incidents involving data or systems.
Why are premiums rising?
Ransomware and large breach severity drove cyber loss ratios above 100% in 2020-2022. Carriers tightened underwriting and raised rates. Premiums stabilized in 2024-2025 but baseline rates remain higher than pre-2020.
What about social engineering / business email compromise?
Wire fraud from compromised emails is often excluded from base cyber. Add the social engineering endorsement. Without it, BEC losses (which are extremely common) are not covered.
Bundle & save
Recommended add-ons
Most customers add these to keep their business compliant year-round.
Why File.Business
Premium compliance, no service-fee markup.
Trust you can verify
SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.
A compliance partner, not a transaction
Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.
Premium experience competitors cannot match
Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.