Technology & Cyber Liability

Cyber liability insurance for technology and data risk

Technology and cyber liability insurance covers technology product or service errors, data breach liability, regulatory exposure and cyber incident response costs. This coverage is designed for organizations whose operations depend on technology systems and the data those systems process, whether the incident originates internally, from a vendor outage or from a malicious attack.

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Why It Matters

A cyber incident rarely stays within one policy

A cyber incident often reaches beyond the data breach itself: a securities disclosure question can follow for public company directors, and a technology error underlying the breach can trigger a separate professional liability claim. Coverage placed as a standalone cyber policy, disconnected from an organization's broader management and professional liability program, can leave these related exposures unaddressed.

HUB's Approach

Coverage built around cause and consequence, not just the breach

HUB addresses technology and cyber liability as a management and technology liability discipline within its Professional and Executive Risk (ProEx) practice, covering the range of exposures a technology or data incident can create. Coverage is structured to respond to both the technology failure and the liability it creates, rather than treating breach response and technology errors as separate, uncoordinated exposures.

Because a cyber incident can simultaneously implicate directors and officers (D&O) liability, if it raises a securities disclosure question, or technology errors and omissions (E&O), if a product or service failure caused it, HUB coordinates technology and cyber liability coverage with an organization's broader ProEx program rather than placing it in isolation. This coordination is particularly relevant for technology product and service companies, which face professional liability from technology failure and data breach liability at the same time.