Cyber Liability

Cyber Liability  


Cyber Liability is the risk posed by conducting business over the internet, over other networks, or using electronic storage technology. Cyber Liability insurance is designed to mitigate losses from a variety of cyber incidents:

  • Data Breaches, including paper and digital files
  • Business Interruption Coverage
  • Network damage, including third-party lawsuits due to loss of privacy
  • Electronic Financial Transactions
  • Crime coverage
  • Social Engineering
  • Reputation Repair Assistance
  • Forensic Audits to Locate and Reduce Further Data Breaches


Your Policy also includes a full suite of security apps:

  • 24/7 security monitoring
  • Automated threat & intelligence alerts
  • DDoS mitigation
  • Security Benchmarking
  • Employee training
  • Patch reminders


Through a partnership with McGowan Program Administrators, AMBA has developed an integrated insurance and risk management program for Cyber Liability. The program offers access to human resources and data management related services which provides superior products and services through a simplified process.


How to apply

You may apply and obtain a quote up to 60 days prior to your desired effective date. However, you may only bind coverage within 30 days of the requested effective date.


1. Click on one of the blue “Apply Now” buttons that best describes your occupation.

2. Select from the drop down menu to access the online application.

3. Limits up to $1,000,000 are available online.

  • If you want limits above $1,000,000, contact one of AMBA's Client Representatives at 1-800-732-8350 for assistance to complete your application.

Once your application is completed and full payment has been made via credit card or EFT, you will receive an email with your policy within 1-2 business days. Whether you are purchasing Cyber coverage with us for the first time or renewing your coverage and need assistance, please contact us at  1-800-732-8350.



To complete the Cyber Liability Application, simply click the form link below.

Please select the profession in the industry listing that most closely relates to your present occupation.

For a quote for limits above $1,000,000,
contact AMBA Sales at 1-800-732-8350 .



Answers about the plan, including eligibility, options, enrollment, customer service and more.

Claim Scenarios

There are an estimated 2,200 cyberattacks per day with 43% of the world's total cyberattacks are targeted at small-to-midsize businesses.1 The below examples illustrate situations in which the costs incurred to remediate a data breach were significant.
  • Unauthorized Access

    An international computer hacking group gained access electronically to the computerized cash registers of a restaurant chain and stole credit card information of 5,000 customers, starting a flood of fraudulent purchases around the world.
  • Theft of Digital Assets

    A regional retailer contracted with a third party service provider. A burglar stole two laptops of the service provider containing the data of over 800,000 clients of the retailer. Under applicable notification laws, the retailer - not the service provider - was required to notify affected individuals. Total expenses incurred for notification and crisis management to customers was nearly $5,000,000.
  • Privacy Breach

    An employee of a rehabilitation center improperly disposed of 4,000 client records in violation of the center’s privacy policy. The records contained social security numbers, credit and debit card account numbers, names, addresses, telephone numbers as well as sensitive medical information. The center settled the claim with the state of Massachusetts and agreed to pay fines and penalties imposed by the state as well as extend $890,000 in customer redress funds for credit monitoring on behalf of the victims.
  • Theft of Digital Assets

    A home healthcare organization had backup tapes, laptops and disks containing social security numbers, clinical and demographic information, and in a small number of cases, patient financial data that was stolen. In total, over 365,000 patient records were exposed. The organization settled with the state attorney general, providing patients with free credit monitoring, credit restoration to patients that were victims of identity fraud, and reimbursement to patients for direct losses that resulted from the data breach. The organization was also required to revamp its security policies, implement technical safeguards and conduct random compliance audits.
  • Human Error

    A non-profit community action corporation printed two 1099 forms on one piece of paper. An employee was supposed to separate the forms and send each to its rightful owner. Instead, one person received both copies. The mistake sent tax forms and social security numbers to strangers. Approximately 50% of the landlords who work with the community action corporation received their forms in addition to the private information of the others.
  • Cyber Extortion Threat

    A U.S.-based information technology company contracted with an overseas software vendor. The contracted vendor left universal “administrator” defaults installed on the company’s server and a “Hacker for Hire” was paid $20,000 to exploit such vulnerability. The hacker advised if the requested payment was not made he would post the records of millions of registered users on a blog available for all to see. The extortion expenses and extortion monies are expected to exceed $2,000,000.
  • Human Error

    An employee of a private high school mistakenly distributed via e-mail the names, social security numbers, birthdates and medical information of students and faculty, creating a privacy breach. Overall, 1,250 individuals’ information was compromised.
  • Malicious Code

    A juvenile released a computer worm directing infected computers to launch a denial of service attack against a regional computer consulting & application outsourcing firm. The infection caused an 18-hour shutdown of the entity’s computer systems. The computer consulting & application outsourcing firm incurred extensive costs and expenses to repair and restore their system as well as business interruption expenses which totaled approximately $875,000.
1"Cybersecurity Statistics & Projections for 2022," Privacy Sharks, January 28, 2022.
Contact Us

4050 114th Street
Urbandale, Iowa 50322
 M-F 8a-5p CT
New Customers
[email protected]
Existing Customers
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Be Prepared and Protected from a Costly Data Breach. Get the coverage you need to respond quickly and effectively.

Every 39 seconds a new cyber attack occurs, costing small businesses on average $2.6 million in disruption of normal operations cost.2

Businesses face increasingly complex information and computer security risks. If you house or store client confidential information of anything defined as Personally Identifiable Information (PII), cyber criminals have an interest in your stored data files to target, breach and obtain such information.

The Cyber Privacy Liability policy available through AMBA has been tailored specifically for our policyholders and is not available outside our network.

2 "Cybersecurity Statistics & Projections for 2022," Privacy Sharks, January 28, 2022.