Question: My IT team says our network is secure—do I still need Cyber Insurance?

Answer: Even the best security can be bypassed by human error or "Zero Day" exploits. Cyber Insurance isn't just for data theft; it covers the massive costs of business interruption , legal notifications to clients, and even ransomware negotiations that IT teams aren't equipped to handle.

Question: Will Cyber Insurance cover me if an employee loses a company laptop?

Answer: Yes, most comprehensive Cyber policies cover the loss of physical hardware if it leads to a potential data breach. This includes the cost of investigating the device, forensic recovery, and notifying any affected parties as required by state data privacy laws.

Question: Does Cyber Insurance cover social engineering or wire transfer fraud?

Answer: Many standard "included" cyber policies endorsed on your General Liability policy exclude "voluntary" transfers of money. As your advisor, we specifically look for "Social Engineering" endorsements to ensure you are covered if an employee is tricked into sending funds to a fraudulent account through phishing or spoofing. We have actually recovered in $77,000 for a client due to Social Engineering, and can do the same for you.

Cyber Liability Insurance — Texas & Oklahoma

A spoofed email moved $77,000 in minutes. We got it back in 7 days.

Most Texas employers believe they're covered. Most aren't. Standard General Liability has silent gaps that leave your treasury, your data, and your reputation exposed when an incident actually occurs.

Get a Cyber Quote in 15 Minutes → Schedule a Free Audit First

Coverage options are available to explore now — all policies require broker review before binding.

Real Client Incident — Funds Transfer Fraud

$77,000

Transferred out of a client account via a spoofed vendor email. Without a Social Engineering endorsement, it would have been gone permanently.

Day 1

Fraudulent wire transfer via spoofed email

Day 2

Standard GL policy — claim denied

Day 3

4J engaged. Correct endorsement located

Day 7

✓ $72,000 recovered — client kept whole less $5,000 retention

⚡

Does your policy have a Social Engineering endorsement? Most standard cyber endorsements on GL policies exclude voluntary wire transfers. This is one of the first things we check on every account we review.

5-star Google reviews

TX & OK

Licensed & serving employers

$72K

Recovered for a single client

Veteran-owned

Independent brokerage

Carrier Access

Beazley

Coalition

CFC Underwriting

Cowbell

Tokio Marine HCC

Elpha Secure

At-Bay

Chubb

Travelers

Beazley

Coalition

CFC Underwriting

Cowbell

Tokio Marine HCC

Elpha Secure

At-Bay

Chubb

Travelers

The exposure gap

What your current policy probably doesn't cover

General Liability was not written for the modern threat environment. These are the six gaps we find on almost every commercial account we audit.

Funds Transfer Fraud

Spoofed vendor emails, CEO impersonation, BEC scams. Standard GL calls these "voluntary" transfers and denies the claim.

Often uninsured

Ransomware & Business Interruption

Revenue lost while systems are down, ransom negotiation costs, and restoration expenses — rarely covered by off-the-shelf endorsements.

Underinsured

Data Breach Notification

Texas law (Tex. Bus. & Com. Code §521) requires notification when personal data is breached. Forensic and legal costs add up fast.

Regulatory risk

Third-Party Vendor Breaches

If your vendor is breached and your client data leaks, the lawsuit comes to you — even if the breach wasn't in your systems.

Often excluded

AI & Cloud Tool Exposure

Employees using AI tools and cloud platforms create new data residency and liability questions most policies were never designed to address.

Emerging gap

Lost or Stolen Hardware

A laptop leaving the building with client records triggers notification obligations under Texas law — even without a confirmed breach.

Overlooked

Our approach

A cyber audit, not a policy pitch

We read your current policy language before we recommend anything. Most brokers don't. Here's what we check on every engagement.

Social Engineering endorsement review

Does your policy explicitly cover voluntary wire transfers initiated by deception? Most don't — we verify this on every account.
Business interruption trigger analysis

When does your BI coverage actually start? Many policies have waiting periods and exclusions that eliminate the claim entirely.
Third-party vendor contract alignment

We cross-reference your coverage terms against your vendor contracts to close downstream liability gaps before they become claims.
Texas regulatory compliance check

Tex. Bus. & Com. Code §521 notification obligations, and HIPAA exposure if you handle any health data.
Carrier response capability review

We only place coverage with carriers who have dedicated forensic, legal, and recovery response teams — not just reimbursement.
AI & cloud tool exposure mapping

We ask how your employees actually use AI and cloud tools, then assess whether your policy language covers the resulting exposure.

Schedule a 15-minute cyber audit

Bring your current declaration page. We'll tell you exactly where your gaps are — no obligation, no pressure, no sales pitch.

Book Your Audit →

$4.88M

Average cost of a data breach in 2024 (IBM Security)

72%

Of breaches involve a human element — phishing, credential theft, social engineering

60%

Of small businesses close within 6 months of a major cyber incident

Who we work with

Built for employers who can't afford a gap

Every cyber risk profile is different. We work with organizations where a single incident could disrupt operations, trigger regulatory action, or end client relationships.

Professional Services

Law firms, accountants, consultants — you hold client data and wire transfers. Both are prime targets.

Healthcare & Medical

HIPAA obligations plus patient data means breaches carry regulatory fines on top of notification costs.

Franchises & Multi-Location

Shared systems across locations expand your attack surface. One breach can compromise every location.

Government & Municipalities

Public records and critical infrastructure make local government a rising ransomware target.

Nonprofits

Donor data and tight budgets make nonprofits high-value targets with low IT defenses — a dangerous combination.

Tech & SaaS Companies

Contractual cyber requirements from enterprise clients often exceed what standard policies provide.

Common questions

What Texas employers ask us most

Straight answers — not policy boilerplate.

Yes — and this is the most dangerous assumption we encounter. A secure network doesn't protect against an employee being tricked into wiring funds. It doesn't cover a vendor's breach that leaks your client data. And it doesn't pay your attorney when a regulator comes asking. Cyber insurance covers the human and legal layer that IT security can't.

Almost certainly not the way you think. Most GL policies either exclude cyber losses entirely or include a narrow endorsement with significant carve-outs — particularly around "voluntary" fund transfers and third-party vendor breaches. We read the actual endorsement language on every audit, because the policy name and the actual coverage are often very different things.

Only if it has a specific Social Engineering endorsement — and many standard policies don't. Insurers classify wire transfers initiated by an employee (even under deception) as "voluntary," which triggers an exclusion. This is exactly what happened in the $77,000 case we handled. We recovered the funds because our client had the correct endorsement. This is one of the first things we check on every account we review.

Typically yes — if it contains data that triggers notification obligations. Texas law requires you to notify affected individuals when their personal information may have been accessed. A properly structured cyber policy covers forensic investigation, legal counsel, and the cost of that notification. The key is having coverage before it happens, not after.

For most small employers in Texas, a standalone cyber policy with proper endorsements runs between $800 and $3,500 annually depending on revenue, industry, and the data you hold. We quote across multiple carriers to find the right fit — not just the cheapest number.

Find out if you're actually covered — before you need to be.

A 15-minute call with Deon is all it takes. Bring your current declarations page and we'll tell you exactly where your gaps are.

Schedule Your Cyber Audit →

No obligation. No sales pitch. Veteran-owned and carrier-independent.