Many business owners assume their general liability insurance covers cyber risks. It doesn't. Here's why both types of coverage are essential.
What General Liability Covers
General liability protects against physical injuries, property damage, and advertising injuries. It's designed for traditional, tangible risks.
What Cyber Liability Covers
Cyber liability specifically addresses digital risks including data breaches, ransomware attacks, network security failures, and regulatory penalties related to data protection.
Why You Need Both
If your business collects any customer data — names, emails, payment information, health records — you need cyber liability insurance in addition to general liability. The digital and physical risk landscapes are fundamentally different.
Talk to a BlackArrow agent about building comprehensive protection for your business.
