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Construction, Specialty & Bonds • Licensed Texas Agency
Compare Texas Cyber Liability, Ransomware & Wire-Fraud Insurance Quotes
Small and mid-sized Texas companies—especially medical clinics, title/real-estate firms, CPAs, construction GCs, and wholesalers—are primary targets for ransomware and invoice wire-transfer fraud. Compare true standalone Cyber policies.
✓ Ransomware & Forensics
✓ Wire / Invoice Fraud
✓ TX AG Breach Compliance
30+ Texas Carriers Compared
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24/7 Incident Response Team
Immediate breach coach attorneys, DFIR forensics, ransomware negotiators, and system restoration.
Social Engineering & Funds Transfer
Crucial coverage when a spoofed vendor email tricks accounting into wiring $50k–$250k to a fraudulent account.
Active External Vulnerability Scan
Leading cyber insurers include complimentary external attack-surface monitoring to stop breaches before they happen.
What Texas Cyber Liability Insurance covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Ransomware, Cyber Extortion & Data Restoration: Covers incident-response negotiation, decryption/extortion demands where legal, and rebuilding corrupted servers and cloud backups.
- Breach Counsel, Forensics & Customer Notification: Pays privacy attorneys, digital forensics, credit monitoring, and mandatory consumer/Texas Attorney General notifications.
- Cyber Business Interruption & Contingent Outage: Replaces lost business income and extra operating expenses while ransomware or a key cloud-vendor outage halts operations.
- Social Engineering, Phishing & Funds Transfer Fraud: Covers fraudulent wire-transfer instructions, spoofed vendor ACH changes, and invoice manipulation ($100k–$250k+ sub-limits).
- Third-Party Privacy & Regulatory Defense: Defends HIPAA, PCI-DSS, TCPA/TDPSA privacy suits, and state/federal regulatory investigations and fines where insurable.
- Bricking / Hardware Replacement: Replaces servers, endpoints, and networking gear permanently rendered unusable by firmware malware.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- A $25,000 BOP 'Data Compromise' Rider Is NOT True Cyber Insurance: Small BOP add-ons usually omit ransomware extortion, cyber business interruption, and wire-transfer social engineering—which account for the majority of real-world Texas cyber losses!
- Multi-Factor Authentication (MFA) Is Essential: Virtually all A-rated cyber underwriters require MFA on business email (Microsoft 365 / Google Workspace), remote VPN/RDP access, and cloud backups—never misrepresent MFA controls on an application.
- Out-of-Band Callback Rule on Wire Transfers: Check whether your Social Engineering endorsement requires a documented phone callback to a pre-known number before changing vendor ACH/wire banking details above $25,000.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Cyber + Professional Liability
Essential dual shield for Texas healthcare clinics, CPAs, law/title offices, and IT providers.
Smart Texas Pairing
Cyber + Business Owners (BOP)
Pair physical property and premises liability with standalone $1M+ first- and third-party Cyber.
Smart Texas Pairing
Contractor GL + Wire-Fraud Cyber
Texas GCs and subcontractors frequently lose $100k+ draw wires to email compromise—protect project cash flow.
Texas Cyber Liability Insurance — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Yes—today's #1 small-business cyber claim in Texas construction and distribution isn't stolen credit cards; it's Business Email Compromise (hackers intercepting an email thread and swapping ACH/wire routing numbers on a $95,000 supplier or draw invoice) plus operational ransomware.
For most businesses under $25M revenue, carriers simply look for Multi-Factor Authentication (MFA) on email and remote access, regular offline/cloud backups, and basic endpoint antivirus/EDR.
Yes—dedicated Healthcare Cyber forms cover HIPAA breach coaching, HHS OCR regulatory defense, forensic charting audits, and patient notification/credit monitoring.
First-Party pays YOUR immediate survival costs (forensics, ransomware recovery, lost business income, wire fraud); Third-Party defends YOU against lawsuits from clients, partners, and regulators.
Usually same day! Modern cyber carriers run non-invasive domain scans and issue bindable quotes after 5–8 underwriting questions.