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Cyber Liability Insurance - Georgia Small Business

Cyber Liability Insurance for Georgia Small Businesses

Your general liability policy does not cover data breaches or ransomware. If you store customer data, process payments, or depend on digital systems to operate, you have cyber exposure that needs its own policy.

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What Cyber Liability Insurance Covers

Data Breach Response

Covers legal fees, notification costs, credit monitoring for affected customers, and regulatory fines after a data breach. One breach affecting 500 records can easily exceed $50,000 in response costs.

Business Interruption

Pays for lost revenue and extra expenses while your systems are locked or inoperable after a ransomware attack or cyber event. Business interruption is one of the most claimed cyber coverages.

Third-Party Liability

Covers legal fees and settlements if customers or partners sue you because their data was compromised. Third-party liability is increasingly common as breach victims seek compensation.

Social Engineering and Funds Transfer Fraud

Covers losses from phishing, business email compromise, and fraudulent wire transfers. The most common cyber claim for Georgia small businesses is a fraudulent wire request, often excluded from base cyber unless social engineering is endorsed.

What Cyber Liability Does Not Cover

Unencrypted Data on Lost Devices

Cyber policies typically exclude losses from unencrypted devices like stolen laptops where data was not encrypted. Basic security hygiene is required to maintain coverage.

Employee Theft

Insider theft by a dishonest employee is usually excluded from cyber policies. It falls under crime or employee dishonesty coverage instead.

Physical Property Damage

Bodily injury and tangible property damage caused by a cyber event are typically excluded. A cyberattack that disables a manufacturing line and causes a physical injury would not be covered.

Prior Known Events

Pre-existing known vulnerabilities or incidents that began before the policy start date are excluded. Cyber coverage cannot be purchased retroactively after a breach is discovered.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines - Georgia

Chubb Commercial

A++ Superior

Mid-market and specialty commercial carrier with industry-leading management liability, cyber, and international coverage for Georgia businesses above $5M revenue.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

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Commercial Lines - Georgia

Coalition

A Excellent (underwriting partners Swiss Re and Ascot Group)

Leading technology-forward cyber carrier with active threat monitoring and purpose-built incident response, our first cyber recommendation for serious accounts.

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Commercial Lines - Georgia

CNA

A Excellent

Top mid-market commercial carrier with healthcare professional liability strength and broad appetite across $500K to $50M revenue Georgia accounts.

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Commercial Lines - Georgia

Cowbell Cyber

A- Excellent (underwritten through Markel)

Cyber specialist using AI-driven underwriting and continuous risk assessment, often most competitive for small business cyber with strong security posture.

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Review Your Business Cyber Exposure

If your business handles customer data, processes payments, or relies on digital systems to operate, you have cyber exposure. We will review your current coverage and tell you exactly where the gaps are.

$500 to $3,000 per year for most small businesses

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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