Cyber insurance for your business

Whether your business is large or small, help protect it through our alliances with leading insurance companies.

To speak with a USAA Insurance Agency commercial specialist about your needs, call 800-292-8135.

What’s cyber insurance?

Cyber liability insurance is a crucial part of business insurance. It can help protect your business from the cost of cyberattacks and data breaches.

Who it’s for

Any company that uses electronic devices could benefit from cyber insurance. You should consider it if your business:

• Accepts credit cards or other forms of digital payment.
• Stores financial or medical data.
• Collects sensitive information from customers.
• Uses computers or mobile devices, or has an online presence.

Get the right cyber protection for your business.

First-Party Coverage

This can help pay for covered cyber losses on your company's network or systems. It can also help you respond to cyberattacks and data breaches.

Third-Party Coverage

This can help cover legal costs if another company blames your business for their cyber losses. Plus, it can help if a breach on a client’s or vendor's network affects your systems or data.

What’s covered?

Data Breach Response

If your business has a breach, this policy can help you obtain professional services that assist in notifying employees and customers.

Repairs and Restoration

If you need to fix, recover, or replace data and software, this insurance can help cover the costs.

Legal Expenses

If your business faces lawsuits, fines or liability claims after a breach, cyber insurance can help pay the expenses.

Lost Income

If your business is interrupted or you’re forced to pay a ransom after a cyberattack, your policy can help you recover.

System Improvements

If you’ve had a breach, a policy may help pay for enhancements to guard your system from future attacks.

Why get a policy through the USAA Insurance Agency?

The USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing alliances with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.

Also, when you buy insurance through the USAA Insurance Agency, you help us support the military community through charitable contributions and special events.

Do I really need cyber insurance?

Don't underestimate the cost of a data breach. The impact can last years. And the cost can add up to millions of dollars, especially if your business faces lawsuits and fines.

The average cost of a data breach in 2024 was $4.88 million worldwide, according to the IBM Cost of a Data Breach Report.

What about small businesses?

Just because you have a small staff doesn’t mean you’re not at risk.

More than 60% of breaches involved outside parties, according to the 2024 Verizon Data Breach Investigations Report.

Get a BOP quote for a business owners policy

1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

Related footnotes:

1. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

2. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

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