Product: Cyber Liability

Cyber liability that clears enterprise procurement.

Breach response, ransomware, and third-party PII liability in the contractor's name. Per engagement, at limits solo independents can't get on their own.

Clear security review →Sample cyber COI

Cyber Liability

● Active

Insured

Independent Contractor (named)The contractor is the named insured. Client or platform can be added where required.

Coverage

Global cyber liabilityBreach response, ransomware, and third-party PII liability for covered contractor work.

Trigger

Per engagementCoverage is matched to the work window, role, data exposure, and customer-of-record.

Territory

WorldwideGlobal coverage territory, subject to policy terms and local requirements.

Time to bind

Under 60 secondsAverage enrollment + security details

COI delivery

Instant PDFFetch via API or dashboard. Additional insured supported where required.

What cyber covers

First-party response. Third-party liability. One policy.

Breach response

The contractor's own costs to respond to a breach: forensics, notification, and recovery.

Forensics and notification
First-party costs
Same-day incident intake

Ransomware & extortion

Ransomware response and cyber-extortion events during the engagement.

Extortion response
Recovery support
Carrier-managed claims

Third-party PII liability

Claims from clients or individuals whose data is exposed, with legal defense.

Defense costs included
Client or platform as additional insured
Instant COI evidence

How it binds

Bound before security review asks.

Contractor opts in

Embedded in your existing onboarding. Role, data exposure, engagement window, and required limits are the inputs the carrier needs to underwrite.

We bind

Carrier-backed quote returns in under a second. Premium calculated by coverage, exposure, and engagement details.

COI delivered

Instant PDF naming the client or platform as additional insured. Archived for retrieval, accessible via API or dashboard.

Coverage footprint

Borderless work, borderless coverage.

Global

Available to any 1099 · worldwide

Cyber Liability is available to any 1099 contractor working anywhere in the world: content creators, IT consultants, field-service techs. The coverage territory is worldwide, because data, vendors, and claims don't stop at the border. An engagement that touches systems or data subjects on another continent stays covered^*

Coverage territory: worldwide

^*Coverage territory per policy form. Confirm jurisdiction-specific terms with the carrier before binding.

Call to action section for 1099Policy

Twenty minutes with your security checklist.

We'll wire cyber into your onboarding with sample contractors and walk you through breach response, the PII liability path, and what security review sees on the COI.

Get Started Book a Demo

Built for 1,200+ agencies and platforms managing contractor risk