Response and recovery
Ask about incident-response services, forensic investigation, notification, data restoration, and business interruption. Coverage triggers, approved vendors, waiting periods, and sublimits can differ.
Austin office · Serving Texas businesses
Cyber Liability Insurance for Texas Businesses
You do not need to be a technology company to face a cyber incident. Business email, online payments, employee records, and third-party software can create exposures worth reviewing.
Discuss your coverage ↗Review the risks behind your email, payments, and customer data.
Liability to others
A privacy or network-security claim can create defense and liability costs. Discuss the information you hold, contracts you sign, and security practices required by the application and policy.
Fraudulent payment requests
A fake email asking you to redirect a payment may involve social engineering or funds transfer fraud. Do not assume all cyber policies cover it; review cyber and crime options and verification conditions.
Questions to discuss with Brian
- What customer or employee information do you store?
- Do you use multifactor authentication and tested backups?
- How do you verify changes to banking or payment instructions?
What to have ready for a quote
You can start a conversation even if you do not have every detail yet. These items help make the review more useful.
- Revenue and business activities
- Data types, software providers, and security controls
- Prior incidents, contractual requirements, and current policies
A common coverage question
Is a fraudulent wire transfer automatically covered by cyber insurance?
No. Applicable crime or cyber provisions may contain specific insuring agreements, exclusions, sublimits, and payment-verification conditions. Ask for a review of this exposure.
Talk through your business insurance needs
Contact Brian Kuhlman at SIG/CHAPARRAL INSURANCE GROUP. Our Austin office serves Texas business owners with a review of operations, current policies, and available coverage options.
Office: 512-452-2427 · Email Brian
Request a quote ↗Coverage examples are general and do not promise claim payment. Availability and protection depend on underwriting and the issued policy’s limits, conditions, and exclusions. A quote request does not bind or change coverage.