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Smart Cyber Insurance®: Primary and Excess

Protecting businesses from cyber threats, with coverage and service you can count on, backed by proven financial strength.

 

Appetite and Coverage

The protection you need

Smart Cyber Insurance® covers primary and excess risks for businesses earning up to $5B in gross annual revenue, with limits up to $10M. *Primary and Excess policies available on Travelers A++ paper.

Download Appetite Guide

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Up to $10M in limits

Up to $5B in revenue

Third-party coverage

  • Network security and privacy liability
  • Regulatory investigations, fines, and penalties
  • Media liability
  • PCI DSS assessment expenses

First-party coverage

  • Business interruption
  • Contingent business interruption
  • Digital asset destruction, data retrieval, and system restoration
  • System failure
  • Cyber extortion and ransomware
  • Breach response and remediation expenses
  • Social engineering and cyber crime

Additional coverage

  • Bricking coverage
  • Invoice manipulation
  • Forensic accounting coverage
  • Bodily injury
  • Criminal reward coverage
  • Preventative shutdown

Industry classes we cover:

 

Healthcare >
Endorsement offered
Financial institutions >
Endorsement offered
Manufacturing >
Endorsement offered
Construction >
Endorsement offered
Professional services
Life sciences
Retail
Education

Coverage is provided by a U.S. based Travelers surplus lines insurance company on a nonadmitted basis and the information contained herein is provided for informational purposes only. It is not an offer to sell or a solicitation of an offer to purchase any insurance policy in any state. No insurance product is offered or will be sold in any state in which such offer or solicitation would be unlawful under the laws of such state. Travelers is not licensed nor directly solicits insurance in any state where its surplus lines products may be purchased pursuant to applicable surplus lines laws. Insurance policies provided by surplus lines insurers are not protected by state guaranty funds. Surplus lines insurers are not subject to all of the same insurance regulatory standards applicable to licensed insurance companies. Coverage is subject to the specific terms and conditions of the policy. This policy may only be accessed through a surplus lines licensee and may not be purchased directly through this website. Anyone interested in this policy should request a copy of the policy from a surplus lines licensee.


*Travelers Excess and Surplus Lines Company of America is an A++ (Superior) AM Best rated insurance company (Financial Size Category XV ($2 billion or more). Ratings are current as of June 2, 2025.

The Corvus Solution

Every Smart Cyber Insurance® policy includes:

Trusted cyber expertise

Cyber risks change constantly. We help businesses manage dynamic digital risk to protect what matters most.

Always-on threat protection

Our team of data scientists, actuaries, and threat intel specialists work together to identify the highest priority risks and alert brokers and businesses in real-time.

Unparalleled service

Our in-house team is available 24/7 to provide highly responsive, expert guidance and expedite recovery in the event of a claim.

[EMPLOYEE HEADSHOT] Amanda Stantzos - Vice President, Cyber TEO Underwriting, Corvus by Travelers

Expand your coverage with Excess

About Excess Coverage

Resources

Resources for brokers

[PDF DOWNLOAD] Smart Cyber Insurance® Appetite Guide

Smart Cyber Insurance® Appetite Guide

A one-page overview of Smart Cyber Insurance® appetite and coverage

Download Appetite Guide

[PDF DOWNLOAD] Smart Cyber Insurance® Application

Smart Cyber Insurance® Application

One, easy-to-complete application for Smart Cyber Insurance®

Download Application

[REQUEST FORM] Smart Cyber Insurance® Coverage Form

Smart Cyber Insurance® Coverage Form

An example Smart Cyber Insurance® policy

Request Form

FAQ

Frequently asked questions

Our Smart Cyber Insurance® policy covers losses resulting from a security breach or cyber crime event, including: first-party losses, or losses suffered by your company (for example, income loss or digital asset loss) and third-party losses (amounts that your company is legally obligated to pay to others).

Learn More in this Blog

Corvus considers several factors when calculating premiums, including an organization’s score on our noninvasive IT security scan, the organization’s revenue and nature of business, the quality of the organization’s cybersecurity controls, and the limit requested.

The cost of cyber insurance premiums varies depending on the type and size of the business insured. Annual premiums start at around $2,000.

Your cyber insurance provider is an important partner in mitigating security threats. Every Corvus policy includes access to Travelers Cyber Risk Services, the only cyber risk mitigation solution proven to reduce risk. Policyholders engaged with Cyber Risk Services have experienced up to a 20% reduction in the frequency and cost of cyber breaches. Policyholders also gain access to unlimited consultations with cyber experts, real-time intelligence on emerging threats, and easy-to-use tools to manage security risks.

Corvus collaborates with the top cyber insurance brokers in the market, including both wholesale brokers and retail brokers. These partnerships emphasize expertise in cyber risk management, ensuring clients receive tailored coverage that addresses evolving digital threats and cyber exposure such as social engineering, business email compromise, and phishing attacks. Corvus values partnerships with brokers committed to client education, creating a network that enhances the accessibility and effectiveness of cyber insurance solutions across different industries and business sizes.

Visit our Broker Hub

Contact your commercial insurance broker and ask them about cyber liability coverage. Corvus's offerings are available via select appointed agencies around the country. Our expert cyber underwriters work hand-in-hand with brokers to provide fast, accurate, and fully customized cyber insurance quotes.

The first step toward submitting a cyber insurance application with Corvus is to get appointed with us.

If you are already appointed to work with our team, you can either email us directly at submissions@corvusinsurance.com or reach out to your local Territory Manager to begin your submission.

Corvus Territory Managers:

 

[EMPLOYEE HEADSHOT] Jim Lannon - Assistant Vice President, Distribution (Northeast), Corvus InsuranceJim Lannon - Northeast

Assistant Vice President, Distribution 
jlannon@corvusinsurance.com 

 

[EMPLOYEE HEADSHOT] Allie Greenberger - Manager, Central National Accounts (Mid-West / Texas), Corvus InsuranceAllie Greenberger - Mid-West / Texas

Manager, Central National Accounts
agreenberger@corvusinsurance.com

 

[EMPLOYEE HEADSHOT] Preston Way - Territory Assistant Vice President (West Coast), Corvus InsurancePreston Way - West Coast

Territory Assistant Vice President
pway@corvusinsurance.com

 

[EMPLOYEE HEADSHOT] Christy Johnson - Territory Assistant Vice President (Southeast), Corvus InsuranceChristy Johnson - Southeast

Territory Assistant Vice President
cjohnson@corvusinsurance.com

Common incidents that trigger cyber insurance claims include:

  • Ransomware attacks: Hackers lock up files or devices and demand a ransom payment in exchange for release

  • Data breaches: Confidential data is stolen or otherwise exposed by threat actors or human error

  • Wire fraud: An employee is tricked into sending money to a scammer

  • System failure: Shutdowns due to system outages that may or may not be malicious in nature