Coverages / Cyber liability
Cyber · 4 of 37 trades
Cyber liability
Data breach response, ransomware and liability for client data. Not required by law; required by some health-care and corporate contracts.
- 1Trades carrying it 4 of 37
- 2Highest injury rate 6.3 per 100
- 3Lowest of them 1.6 per 100
- 4Typical requirer Trades holding client or p
What it is for
Cyber liability covers breach response, ransomware, and liability for client or patient data. For most trades here it is optional; for care providers holding health records and for contractors on institutional projects it is increasingly a contract requirement.
How it is bought
Cyber policies combine first-party costs (forensics, notification, credit monitoring, ransomware response, business interruption) with third-party liability for the data of clients or patients. For the trades on this site the premium is small and the application is short, but it asks about multi-factor authentication, backups and email security, and a weak answer can mean a declined application or an exclusion for the very event you wanted covered. Care providers holding health records have a regulatory exposure as well as a contractual one; contractors on institutional projects are increasingly asked for a cyber certificate alongside the usual lines.
Trades that carry cyber liability
Trades holding client or patient records. On this site, 4 of 37 trades list it, from nursing care facilities at 6.3 recordable cases per 100 workers to home health care services at 1.6.
What to ask a broker
- What the policy excludes that your work actually involves.
- Which contracts or licences require this line and the limit they name.
- Whether it is a standalone policy or an endorsement, and what the deductible is.
Coverage descriptions are editorial. Legal figures: 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Injury rates: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers. Checked 2026-10-23.