The Hartford Cyber Insurance
The Hartford Cyber Insurance
The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. 1Company-reported. Cyber insurance product page as read 2026-09-23.
Who It’s For
The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. 1Company-reported. Cyber insurance product page as read 2026-09-23.
Coverage Features
The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. 1Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.
Limits and Retentions
The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. 1Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote.
Risk Services
The Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, data privacy and cybersecurity attorney consultation, third-party vendor contract review, cyber advisories and webinars. 1Company-reported. Cyber insurance product page as read 2026-09-23.
Claims Support
The Hartford's Cyber Response Team is available 24/7 through a FirstResponse hotline (800-370-0605) or email (firstresponse@thehartford.com) to help policyholders respond to an active cyber incident. 1Company-reported. Cyber insurance product page as read 2026-09-23.
The Hartford Cyber Insurance Compared
Other The Hartford Coverage Lines
Sources
- Cyber Insurance for Small Businesses. The Hartford; What Is Business Cyber Insurance?; Does My Business Need Cyber Insurance?; What Does Cyber Insurance Usually Cover?; What Is Not Covered; How Much Does Cyber Insurance Cost; The Hartford's Small Business Cyber Insurance Solutions (BOP add-on, CyberChoice First Response, FailSafe Technology E&O). Accessed 2026-09-23.
