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Commercial Cyber · Admitted

Cyber coverage for the 98% of small businesses without it.

A tailored, affordable cyber policy for small and middle-market companies — ransomware, business email compromise, social engineering, data breach response, and business interruption — with 24/7 breach support included on every policy.

Max revenue $100M
Max employees 250
Limits $100K – $3M
Paper A- VII · Admitted
Who qualifies

The rules that apply to every Cyber account.

Anything outside these thresholds is referred for review. Required cyber-security controls must be in place at bind.

Account size $0 – $100M in revenue · 250 employees or less. Larger accounts are referred for individual review.
Limits $100,000 minimum to $3,000,000 maximum. Most clients purchase $1,000,000 in limits.
Paper Admitted paper, A- VII by A.M. Best. Policy form is consistent across all qualifying states.
Geography Nationwide. Not available in HI, KY, and VT.
Cyber-security minimums MFA on administrative access to all systems · timely segregated backups · email and mobile encryption · documented employee cybersecurity training.
Claims support 24/7 cyber breach specialist included on every policy. A direct line to a named responder at the first sign of an incident.
Download Cyber Application Download Cyber Appetite Guide
Appetite by industry

We cover most industries — with a tight list of exclusions.

Cyber risk lives everywhere, so our appetite is broad. The list of ineligible classes is short and specific; everything else is in play.

01 Industry appetite
Coverage · Most industries
Carve-outs · Tight & published
States · 47 + DC

Prograde Cyber is built for the broad middle of the SMB market. Key target verticals are professional services, retail, construction, administrative services, food and accommodation. A handful of industries are ineligible — listed below.

Key target verticals

  • Professional Services
  • Retail
  • Construction
  • Administrative Services
  • Food & Accommodation
  • Other Services (allied health, personal care, recreation)

Ineligible

  • Utilities
  • Universities & higher education
  • Complex financial institutions
  • Social media platforms
  • Aviation
  • Cryptocurrency and related activities
  • Debt collectors
Coverages

Eight base coverages.
Ten optional endorsements.

Every Prograde Cyber policy ships with a comprehensive base. Add endorsements only for the exposures that fit your client's business.

01 Included in every policy
Base form · 8 coverages
Breach support · 24/7 hotline
Sub-limits · Negotiable
  • Security & Privacy Liability Third-party liability for defense and damages if your client is found responsible following a cyber event.
  • Breach Response Expenses Costs of notifying affected individuals, credit monitoring, and forensic investigation to determine what happened.
  • Regulatory Defense & Penalties Defense costs and potential fines or penalties if the breach triggers a regulatory proceeding.
  • Cyber Extortion & Ransom Payments Forensics, interest, negotiation, and ransom payments to regain control of systems or data following a ransomware attack.
  • PCI Fines & Penalties Fines or penalties for breach of the security and risk-management requirements of the PCI merchant agreement.
  • Business Income Lost income during downtime following a cyber incident — SMBs commonly lose $8K–$20K per day in revenue.
  • Funds Transfer Liability Liability incurred during a funds-transfer fraud incident.
  • Reputational Harm Expenses to remediate reputational damage following a cyber incident.
02 Optional endorsements
Build · À la carte
Tail · Up to 3 yrs ERP
Tech E&O · Available
  • Hardware Replacement & Bricking Cost of replacing computer systems permanently damaged ("bricked") in a cyber attack.
  • Post-Breach Remediation Improvements and vulnerability fixes to systems after a breach — not included in a standard policy.
  • Funds Transfer Fraud & Social Engineering Reimbursement for money stolen via fraudulent transactions, hacked employee email accounts, or scams that trick the insured into sending funds.
  • Invoice Manipulation Reimbursement for funds lost when scammers intercept and alter invoices, redirecting client payments to fraudulent accounts.
  • Telecommunications Fraud Costs from fraudulent use of telecom equipment, such as bogus charges to the company phone bill.
  • Service Fraud, incl. Cryptojacking Costs from fraudulent use of cloud services or unauthorized cryptocurrency mining on company systems.
  • Contingent Business Income — Security Failure Lost income and extra expense from interruption, degradation, or failure of a third-party tech vendor caused by a cyber event. Additional endorsement available for System Failure (IT).
  • Extended Reporting Period Tail coverage of up to 3 years for cyber incidents discovered after policy expiration.
  • Tech E&O Coverage for claims arising from failure to deliver technology products and services that cause financial harm to a client.
  • Third-Party Platform Suspension Business income and reinstatement costs when an insured's e-commerce storefront is suspended by a third-party platform. Requires supplemental application.
For brokers

Why brokers place Cyber with Prograde.

Cost and complexity are the two reasons clients skip cyber coverage. Prograde solves both — tailored solutions at an affordable price, with claims support included.

01 · Coverage

The coverage your clients actually need.

Ransomware, business email compromise, social engineering, breach notification, business interruption, and Tech E&O — all on the same admitted form.

02 · Service

24/7 claims support, included.

Every policy includes direct access to a cyber breach specialist. Your client calls at the first sign of trouble — no triage queue.

03 · Flexibility

Limits sized to the business.

Limits from $100K to $3M, with most clients buying $1M. Configurable endorsements let you match the policy to the risk, not the other way around.

Ready to quote

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