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Massachusetts Cyber Liability Insurance

This year, a large number of companies invested in Cyber Liability Insurance for the first time, and many that already had coverage added more. These companies are actually hearing about coverage for their clients.

People are asking about it and proactive companies are responding. These companies realize that protection for one's private information is something that is important to their clients. If your clients are important to you, it is time for you to take action with a policy from Philbin Insurance Group.

What Is Cyber Insurance?

This insurance coverage is designed to protect the information that you take from your clients, such as birth dates and social security numbers. A Cyber Liability policy will cover any legal costs as well as the cost of business lost due to a data breach. It will also provide credit monitoring if your client data is hacked.

A General Liability Insurance policy will only cover your physical technology equipment. This means that if you server is damaged during a lightning storm, you will be reimbursed. However, if a computer virus destroys important data, it can lead to serious downtime. In most cases, lost data is not covered by a general liability policy. Cyber Risk Insurance deals directly with your technology and will be tailor made to meet the exact needs of your business.

Who Needs This Protection?

Any business that utilizes computers to store and process data needs a Cyber Security policy. More and more companies are doing business over the Internet, which is only going to increase as technology continues to advance and people move forward.

Introduced over a decade ago, the need for Cyber Liability Insurance has increased not only because of the rise of cybercrime, but also due to new regulations. In many regions, companies are now required to notify their customers if they experience a data breach. Cybercrime continues to be a major concern for board members of publicly traded companies.

In response to numerous data breaches all over the country, upper level executives everywhere are focusing on increasing defenses at their companies. It is vital that you make certain that your organization will be prepared in the event that something like this happens to you.

While companies of every shape and size needs some form of Cyber Insurance, small businesses in particular should invest in polices. The reason for this is that these companies are generally that the mercy of third-parties.

A small business typically relies on others to track inventory, host websites and authorize payments via credit card. They do not have any control over the maintenance and reliability of such systems. These things are usually done in house by the larger corporations, which are able to keep a more watchful eye on processes.

Ease Network Insecurity

A single computer virus could cripple your entire network. If this happens, it is crucial that you have the financial means to make up for any downtime and cover lost revenue.

There is no better time than right now to make a call to your agent at Philbin Insurance Group and ask about Cyber Risk Insurance options in Massachusetts. You will be matched with the ideal policy that will cover virus attacks, hacked computers, web content liability and may other technology related risks.

Your insurance agent will be able to provide you with a breakdown of everything that will be covered by your Cyber Insurance policy. This is to make certain that you understand all of the details of your policy, especially what is and is not covered.

Regrettably, many companies both large and small do not realize just how likely it is that they will experience a breach in data security. When it comes to cyber security, it is not a matter of whether it will happen, but more when it will happen.

You would not go on vacation and leave all of the doors of your home unlocked. You would not park your vehicle at a crowded shopping mall with the door wide open. Therefore, you should not leave your business, your livelihood so exposed either.

While protecting your network data may not be as easy as locking the doors, you can still be prepared to bounce back successfully when disaster does strike. Do not make the mistake that so many other have made by thinking it will not happen to you. Instead, take the steps that are necessary to make certain that you will be able to recover when it does.

The cost of a Cyber Risk Insurance policy is much less than the price that you will have to pay after a cyber-attack without protection. To find out just how affordable a policy is with Philbin Insurance Group, simply click on the quote request button now. You are exposed from the very first time you plug in your computers, so there is no time to waste.
  • "I'm very pleased with my policy with Philbin Insurance Group. I recommend you to all my friends and family. I think you're the best auto and home insurance company in today's market. Your agents are personable and professional. Thank you so very much!"

    — Kim S., Medford
  • "We have been with Philbin for years. The service has always been great! All the agents have been friendly and more importantly competent! We would not change."

    — Lori C., Stoneham
  • "You are the best! Thanks for all of your team's time in getting me countless quotes. I am confident that I have the right information and therefore am able to make better decisions. I'll be trying the online quotes to try and save even more time!"

    — Leo Z., N. Reading
  • "I have been a part of the Philbin family for over 10 years and my parents have been with them even longer. Always quick to respond, friendly and you know they will do anything to help you and their agents are so easy to talk to, like talking to a friend."

    — Ashley J., Woburn
  • "Philbin insurance has helped me & my family with genuine concern for us in our times of needing insurance information & help assessing all of our policies. We live in Weymouth & plan on using Philbin for many years to come. Thank you for your quick & courteous responses over the years."
  • "I have done business with Philbin Insurance for many years, and have been completely satisfied with all and every transaction. Thank you."

    — Anna R. , Everett
  • "I have been a customer of Philbin's for many years and have always found their service to be very professional. When ever I have a question I have always received a prompt answer."

    — Tim C., Methuen
  • "I have had my car and home insurance with Philbin Insurance for numerous years. Over the years I have had to call on occasion for help with insurance matters and received prompt, courteous and knowledgeable assosiates to assist me, I have recommended your services in the past and will continue to do so. Thanks for the many years of quality service."

    — Katherine G., Medford
  • "Philbin Insurance is a family run business with whom I've done business with for over 40 years. They have provided me and my family with the most professional interactions, responsive to any inquiries that I may have regarding home and car insurance, and have provided me with the most cost effective insurance policies available. Thanks and kudos to the Philbin family."

    — Gus M., Reading
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    — Mary C., Swampscott
  • "I have my insurance with Philbin Insurance Agency and I have to say they are number 1 when it comes to customer service. You always get to speak with your representative, and they always provide you with the answers you need and the best insurance rates to suit your needs. I will always continue to use Philbin Insurance agency and couldn't be happier with my choice. Thank you Philbin."

    — Sarah G., Methuen
  • "I've been a customer of Philbin Insurance Group since I first moved to Massachusetts four years ago, and I've only had good experiences with their agents. From finding me a better deal to being extremely prompt in helping me take care of issues, their customer service is top-notch."

    — Christina V., Saugus
  • "Been with you for years. (House & Cars) Love Nancy in the Lynnfield office!"

    — Tracy C., Peabody

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Everett Office


629 Broadway
Everett, MA 02149
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Hours: 8:30am - 5pm, M - F
Phone: 617-389-9400
Fax: 781-584-4445

Burlington Office


1 Mountain Road
Burlington, MA 01803
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Hours: 8:30am - 5pm, M - F
Phone: 781-272-8210
Fax: 781-584-4445

Lynnfield Office


220 Broadway Suite #304
Lynnfield, MA 01940
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Hours: 8:30am - 5pm, M - F
Phone: 781-596-0033
Fax: 781-584-4445

Malden Office


258 Highland Ave
Malden, MA 02149
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Hours: 8:30am - 5pm, M - F
Phone: 781-322-1400
Fax: 781-397-9613