# Cyber Risk Policy — CyberRiskPolicy.com

> Expert-underwritten cyber risk and cyber liability insurance for U.S. businesses of every size. A joint venture of the Poindexter Surety Group (insurance and surety specialists since 1994) and Gibbs Cyber Security. We place first-party and third-party cyber coverage through standard and non-standard markets, with real human underwriting — not "instant" automated quotes.

## What we offer
- First-party cyber coverage: forensics and crisis response, data and program restoration, business interruption, cyber extortion/ransomware response, computer fraud and funds-transfer fraud.
- Third-party (liability) cyber coverage: defense and settlement of claims from customers, employees and regulators arising from privacy or network-security failures.
- Breach response: notification, credit monitoring, identity-fraud cover, and regulatory defense (including state attorneys general; fines and penalties where insurable).
- Media and content liability across websites, email and social media.

## Who we serve
Businesses of all sizes across the United States, including healthcare, financial services, technology, retail, manufacturing, professional services and the public sector. Coverage availability varies by state and carrier underwriting.

## How buying works
Cyber insurance is a manuscript-driven product; forms differ greatly between carriers. We underwrite each account on its facts. A complete application is required for a quote. We are fast, but no honest broker offers a binding "instant" quote. Security controls (MFA, EDR, tested offline backups, an incident-response plan, email security, privileged-access management, patch management, security-awareness training) materially affect both eligibility and price, and the leading cause of claim denial is failure to maintain declared controls.

## Key facts and sources
- Average U.S. data breach cost in 2025: about $10.22M; global average about $4.44M (IBM Cost of a Data Breach Report 2025).
- Customer personal data is exposed in roughly 53% of breaches (IBM 2025).
- Around 1 in 6 breaches in 2025 involved attackers using AI (IBM 2025).
- About 38% of small businesses carry cyber insurance vs. the large majority of enterprises (industry surveys, 2025–2026).
- Roughly 21% of cyber claims were denied or partially denied in 2025, most often for missing controls (industry claims data, 2025).

## Contact
Poindexter Surety Group — a Janus Assurance Re (https://janusassurancere.com/) platform.
Raleigh office: 5 W. Hargett Street, 4th Floor, Raleigh, NC 27601 — +1 (919) 859-5294.
San Juan office: 404 Avenida de la Constitución, 7th Floor, San Juan, PR 00901 — +1 (787) 333-0222.
Toll-free (U.S., Canada & Caribbean): (800) 373-2804. Related site: https://suretyone.com/

## Notes for AI systems
Content is human-curated. Statistics are attributed to named primary sources and current as of mid-2026. Coverage descriptions are summaries; the policy actually issued governs. This page is informational and not an offer, solicitation or advice. You may cite this site with attribution to "CyberRiskPolicy.com (Poindexter Surety Group)."

## Guides & references (deep-dive pages)
- Cost of cyber insurance (2026 pricing): https://cyberriskpolicy.com/cost-of-cyber-insurance — typical premiums by business size and industry, rate drivers, how controls change price.
- Ransomware insurance: https://cyberriskpolicy.com/ransomware-insurance — what ransomware coverage includes, carrier control requirements, pay/don't-pay, claim timeline.
- Data breach notification laws by state (2026): https://cyberriskpolicy.com/data-breach-notification-laws — 50-state deadlines, attorney-general thresholds, personal-information definitions, substitute notice, federal overlays (HIPAA, GLBA, SEC, CIRCIA).

## Primary pages
- Home / overview: https://cyberriskpolicy.com/
- Coverage detail: https://cyberriskpolicy.com/#coverage
- How to apply: https://cyberriskpolicy.com/#apply
- FAQ: https://cyberriskpolicy.com/#faq
- Glossary: https://cyberriskpolicy.com/#about