Cyber Liability Insurance

Cyber Liability Insurance to Protect Your Business From Cyber Attacks

Comprehensive cyber liability insurance designed to protect businesses across the Southeast from data breaches, ransomware, social engineering, and financial loss. We support companies headquartered in Georgia, Florida, Alabama, Tennessee, Texas, North Carolina, and South Carolina — with Georgia representing the majority of our cyber clients.

Why Every Business Needs Cyber Liability Insurance

Cyber attacks continue to increase across all industries, and small to mid-sized businesses in the Southeast are prime targets. Whether your company stores data in the cloud, processes payments, or operates digital systems across multiple states, cyber risk is rapidly evolving.

More than one-third of U.S. businesses experience a data breach each year. Cyber insurance provides crucial protection that general liability policies exclude — helping your company recover quickly and reduce long-term damage.

First-Party Cyber Coverage
Protecting Your Business Internally

First-party cyber liability insurance covers direct losses your business suffers due to a cyber attack or data breach — whether your operations are in Georgia, across the Southeast, or nationwide.

Coverage Includes:
– Data Breach Response & Notification
– Forensic Investigation Costs
– Data Restoration & System Recovery
– Cyber Extortion / Ransomware Protection
– Business Interruption & Lost Income
– Crisis Management & Public Relations Support
– Unauthorized Access or Use of Systems
– Social Engineering Fraud Coverage

Third-Party Cyber Liability Insurance for Legal & Regulatory Protection

Third-party cyber liability coverage protects your business when customers, vendors, or regulatory agencies file claims due to a cyber incident. This is especially important for businesses operating across multiple states with different privacy regulations.

Coverage Includes:
– Regulatory Defense & Fines
– PCI DSS Fines & Penalties
– Media Liability & Online Content Coverage
– Privacy Liability & Disclosure Claims
– Denial-of-Service Attack Liability
– Consumer Redress & Settlement Costs

General Liability vs Cyber Liability Insurance

Most business owners assume they are protected, but general liability policies exclude nearly all cyber-related losses — regardless of which state your business operates in.

General Liability Does NOT Cover:
– Data breach expenses
– Cyber extortion or ransomware
– Forensic investigation
– Lost revenue from system outages

Cyber Liability DOES Cover:
– Data breach notifications & credit monitoring
– Ransomware and cyber extortion
– Forensic investigation & recovery
– Business interruption & data restoration

Industries That Benefit Most From Cyber Insurance

Businesses across the Southeast — especially Georgia — rely on digital systems and cloud-based technology. The following industries face the highest cyber exposure:
– Professional services firms
– Healthcare & medical practices
– Financial services & accounting
– Real estate & property management
– Retailers & e-commerce companies
– Staffing & hospitality
– Municipalities & public entities
– Construction & contractors
– Technology & SaaS providers

How We Help You Protect Your Business From Cyber Threats

We design Workers’ Compensation programs aligned to your workforce, operations, and multi‑state risk profile.

Cyber Risk Assessment

We evaluate vulnerabilities, data exposure, and security across all states where your business operates.

Tailored Cyber Liability Program

We design a customized cyber insurance program based on your risk profile and operational footprint.

Ongoing Support & Incident Response

If a breach occurs, we guide you through response, recovery, and claims — ensuring fast action and minimal disruption.

Why Businesses Trust T. Hudson Risk Advisors

Businesses across Georgia, Florida, Alabama, Tennessee, Texas, North Carolina, and South Carolina choose us because:
– Deep expertise in cyber and technology-driven industries
– Access to top cyber insurance carriers
– Clear explanations of complex cyber coverage
– Fast response times & dedicated support
– Proactive guidance to reduce cyber risk

Ready to Protect Your Business
From Cyber Risk?

Get expert guidance and a customized cyber liability insurance program built for the threats facing modern businesses across the Southeast.