If you’re a business that works online, handles sensitive information, or offers a professional service—you might be closer to a coverage gap than you think.
Many business owners assume that either their Cyber Liability policy or their Errors & Omissions (E&O) policy has them covered in a breach or service failure. In reality, these two policies cover very different risks—and they don’t always overlap the way you’d expect.
The Quick Breakdown
Cyber Liability covers things like:
- Data breaches
- Ransomware attacks
- Stolen customer information
- Network security failures
- Regulatory fines and notification costs
Professional Liability / E&O covers:
- Mistakes in your service or deliverables
- Missed deadlines or scope errors
- Failure to meet professional standards
- Financial harm caused by your work—even if it was unintentional
Where It Gets Messy
Let’s say your marketing firm stores sensitive client data in the cloud, and that system gets hacked. That’s a cyber liability issue. Now let’s say your firm also miscalculates an ad budget, costing your client thousands in lost revenue. That’s a professional liability issue.
But what if the hack exposes client campaigns, and your client sues, claiming the breach ruined their launch? Now we’re in the gray area—because that’s both a security failure and a professional fallout. Depending on your policy structure, only one might respond—or neither.
Why Having Both Matters
Most carriers don’t write one policy that does it all. And while some E&O policies may include limited cyber protection (or vice versa), those built-in protections are often shallow, with caps that won’t hold up in a real-world claim.
At The Ingram Agency, we don’t just sell policies—we build plans. We look at how your business runs, how your systems interact, and where the real risk sits. Then we make sure there’s no gap between what your clients expect and what your insurance actually covers.
Want a second set of eyes on your current coverage?
Reach out. We’ll tell you what’s solid, what’s missing, and what you really need to be protected.