Straight answers
Doesn’t our general liability policy already cover cyber?
Usually not much. The EPA notes general liability often has limited cyber coverage, and if cyber isn’t spelled out in the policy, it’s excluded.
Does cyber insurance cover ransomware?
Many cyber policies do, but it should be named plainly in the policy. Some policies treat it separately or limit it.
Are our control systems (SCADA/OT) covered?
Not always. Some cyber policies limit or leave out industrial control systems unless they are added back. We’ll check that for you.
What will the application ask?
Expect questions on multi-factor login, backups, how your office network and control systems are separated, remote and vendor access, patching, incident response plans, customer records, and past claims.
Who should fill out the application?
For a small utility, often the superintendent or manager with your IT or control systems contractor. Larger systems may add finance, IT leadership, and counsel.
How long does a quote take?
It depends on the utility and how complete the application is. We’ll give you a realistic time frame once we see your information.
Does it cover a fake wire transfer request?
Many policies offer funds transfer fraud or social engineering coverage, often with its own limit. We’ll show you what each quote includes.
Do you only work in Alabama?
No. We are licensed across most of the U.S.
Do we need to be perfect on security to get coverage?
No. Stronger controls usually mean more options, and if something is missing we’ll tell you what underwriters are likely to ask about.
(Source: EPA 2024 water cyber insurance guide)
Ready to look at your cyber coverage?
Start with 7 quick questions, or call the office at 205-221-5466.