Cyber Liability Insurance in Washington

Protect Your Business From Digital Threats and Data Breaches

Think cyber liability is just for tech companies? Think again. If your business stores customer data, processes payments, or uses connected systems, you face real risks—ransomware, phishing, data loss, and more.



At Strategy Insurance Brokers LLC, we help Washington businesses stay protected in an increasingly digital world. With deep expertise and recent industry research under our belt, we’ll help you find the right cyber insurance policy—one that fits your size, your systems, and your exposure.

What Does Cyber Liability Insurance Cover?

A typical cyber liability policy may include:

Data Breach Response

Covers the cost of notifying affected clients, credit monitoring, and legal fees after a breach.

Cyber Extortion & Ransomware

Helps cover ransom payments and recovery costs if your systems are held hostage.

Business Interruption

Reimburses lost income and extra expenses if your operations are disrupted due to a cyber event.

Network Security Liability

Protection if you’re held liable for spreading malware, viruses, or failing to secure data.

Media Liability

Covers claims related to digital content, including copyright infringement and defamation.

Who Needs Cyber Liability Coverage?

Any business that handles data, uses email, or processes transactions online should consider cyber insurance. We commonly help:


  • Contractors with client files and vendor systems
  • Auto shops using digital scheduling or point-of-sale software
  • Medical and professional offices storing sensitive client data
  • Retailers handling credit card payments
  • Small businesses with cloud-based systems or email platforms

Cyber Liability FAQs

  • Isn’t this just for tech companies?

    Not at all. Any business that uses email, keeps client data, or runs a website faces cyber exposure. Small businesses are increasingly targeted because they’re less protected.

  • What if I already have general liability insurance?

    General liability usually excludes cyber events. You’ll need a standalone or add-on cyber liability policy to be covered for data breaches and online threats.

  • Does this cover phishing and email fraud?

    Yes—many cyber liability policies include coverage for social engineering scams and phishing attacks. We’ll help you find the right protection based on how your business operates.

  • How much cyber insurance do I need?

    That depends on the type and volume of data you store, your systems, and your risk tolerance. We’ll help you assess your exposure and recommend appropriate limits.

  • Is employee error covered under cyber policies?

    Often, yes. Policies can include coverage for incidents caused by accidental clicks, poor password management, or internal mishandling of data.

  • Can I add cyber insurance to an existing policy?

    Yes—many business policies allow for cyber endorsements. We can also write standalone coverage for businesses needing more robust protection.