What is cyber liability insurance?
Cyber liability insurance covers the costs of a data breach or cyber event, including customer-notification, recovery, liability, and sometimes business interruption. Any eCommerce store that holds customer data or processes payments has cyber exposure, which sits alongside, not instead of, product and general liability.
Get a free quoteWhat cyber liability covers, and what it does not.
Covered
- data-breach response and customer notification
- liability for exposed customer data
- recovery and, on some policies, business interruption
- certain cyber-extortion and fraud costs
Not covered
- product-injury claims (needs product liability)
- physical property damage
- the cost of upgrading your own security
Who needs it
Any store that stores customer data, holds email lists, or processes online payments.
Typical cost
Small-merchant cyber often runs about $25 to $75/mo depending on data volume and revenue.
Where Assureful fits
Coverage priced on your real sales.
Cyber is a real eCommerce exposure but sits outside Assureful's product and general liability focus. Assureful connects to your store, prices product and general liability from actual monthly sales, and issues a marketplace-ready Certificate of Insurance when a platform or buyer asks.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Cyber liability FAQ.
Does product liability cover a data breach?+
No. Product liability covers physical product injury and damage. Data breaches and cyber events need a separate cyber liability policy, which most online stores handling customer data should consider.
Related coverage
General information, not insurance advice. Source: Insurance Information Institute: cyber insurance. Reviewed 2026-07-01.