Pricing
Bundled cyber and GL policies from $1,200/yr for small businesses with under $1M revenue.. Pricing is illustrative — your premium depends on your profile, location, and coverage. Confirm with a quote.
Fortify is an illustrative carrier writing cyber liability and general liability coverage as a bundled policy, aimed at small businesses, retail operations, startups, and professional firms that lack dedicated IT or risk management staff but still face meaningful cyber exposure. The profile’s core value proposition is simplicity: rather than managing a separate cyber policy and a separate GL policy through different carriers, buyers get both coverages in one document with one renewal.
The bundled structure is described as coming with competitive premiums for small businesses and including a business interruption sub-limit for cyber events — a feature that can partially offset revenue losses during a cyber-related outage. For businesses that process customer data, accept credit cards, or store client information digitally, having general liability and cyber coverage aligned under one policy reduces the risk of gaps between the two. The limitations noted in the profile are relevant for higher-risk buyers: sublimits for regulatory fines are described as lower than what specialist standalone cyber carriers offer, and nation-state attack scenarios carry limited coverage. Organizations with significant regulatory exposure or complex cyber risk profiles — healthcare entities, large e-commerce operations — may need a more specialized standalone cyber policy rather than this bundled approach.
This is an illustrative carrier profile for comparison purposes; confirm actual availability, pricing, and policy terms with a licensed agent or a current quote.
A carrier's marketing rarely tells you what matters. Before you buy cyber liability coverage from Fortify — or anyone — weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. The NAIC complaint index compares consumer complaints to an insurer's market share — under 1.0 is better than average. It's the closest thing to a public claims-experience score.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and — most importantly — the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
Insurance8020's carrier profiles are illustrative of how we weigh these factors; availability, pricing, and terms vary by state, so confirm the specifics in a quote.
Is Fortify available in my state?
Carrier availability and pricing vary by state and by line of business. The fastest way to confirm whether Fortify writes cyber liability insurance where you live — and at what price — is to start a quote with your ZIP code.
How is the Coverage Score for Fortify calculated?
The Coverage Score is a 0–100 editorial composite of value, coverage breadth, and claims experience, backed by sourced inputs such as AM Best financial-strength ratings and the NAIC complaint index. It is never a paid placement. See our methodology for the full approach.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review its NAIC complaint index relative to market share, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.