CYBER (LIABILITY) INSURANCE

Services for your Business
“The single biggest existential threat that’s out there… is cyber.” –Michael Mullen (Former Chairman of the Joint Chiefs of Staff)

WHAT IS IT?

  • “Cyber-insurance is an insurance product used to protect businesses and individual users from     Internet-based risks, and more generally from risks relating to information technology infrastructure     and activities.” – Wikipedia
  • Essentially, it protects businesses when internal computers are hacked or breached.

WHAT’S COVERED?

  • BUSINESS INTERRUPTION– If the computers are locked down for ransom and you’re out of commission for weeks, this policy assists with the need to pay salaries, utilities, lease agreements, etc.
  • IDENTITY THEFT – Steals the identity of clients using the business’s stored information
  • THEFT – Credit card information of customers or from the business itself
  • MALWARE – Malicious software erases critical files and data from servers
  • AND SO MUCH MORE…

DO I NEED IT?

  • NOT COVERED– Most businesses think they are “covered” through their General Liability insurance, which is NOTthe case. Often, cyber is EXCLUDEDin General Liability policies.
  • NEVER GOING TO HAPPEN– Only 2% of small business owners view a cyber-attack as a threat when in reality, HALF of the 28M small businesses in the US have been breached.

WHY CHOOSE ART RISK?

  • TRUSTED PARTNER – With a holistic approach toward the clients’ liability insurance, ART Risk takes the burden off the need to manage multiple insurers/policies, instead allowing clients to focus on what matters most which is your day-to-day business.
  • EXPERTISE– ART Risk’s knowledge and experience ensuring valued clients are properly covered with a catered policy is the company’s highest priority.
  • STABLE OF INSURERS– ART Risk Financial & Insurance Solutions, Inc. obtains multiple quotes to ensure clients are properly covered and competitively priced.
  • QUICK TURNAROUND– Depending on the need, a quote can be provided 48 hours after receiving all information requested including applications. This allows clients the ability to choose and bind coverage within 72 hours of starting the process.