--- title: "Cyber Insurance vs. General Liability Insurance: What's the Difference, and Why Should Businesses Ca" description: "In today's digital world, businesses face a growing risk of cyber threats like data breaches and cyberattacks. To safeguard themselves, many businesses consider getting insurance. There are two common types: cyber insurance and general liability insurance. But what sets them apart, and why does it matter? Let's find out! General Liability Insurance General liability insurance is a legal requirement for businesses. It protects them against claims related to bodily injury, property damage, and adv" image: https://simpleitindy.com/hubfs/Imported_Blog_Media/0af92b_1f4e46b2cbf643bbbeecb686b738d5d6~mv2-1.jpg --- [Skip to content](https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca#main-content) [![Simple_IT_LLC-4](https://simpleitindy.com/hs-fs/hubfs/Simple_IT_LLC-4.png?width=250&height=83&name=Simple_IT_LLC-4.png)](https://simpleitindy.com/) - [Home](https://simpleitindy.com/) - [About](https://simpleitindy.com/about) - [Services](https://simpleitindy.com/services) - [Who We Serve](https://simpleitindy.com/who-we-serve) - [Helpful Advice](https://simpleitindy.com/help) Open main navigation Close main navigation - [Home](https://simpleitindy.com/) - [About](https://simpleitindy.com/about) - [Services](https://simpleitindy.com/services) - [Who We Serve](https://simpleitindy.com/who-we-serve) - [Helpful Advice](https://simpleitindy.com/help) - [Schedule A Call](https://simpleitindy.com/schedule) [Schedule A Call](https://simpleitindy.com/schedule) Jun 24, 2023, 12:00:00 AM # Cyber Insurance vs. General Liability Insurance: What's the Difference, and Why Should Businesses Ca [Thomas Burris](https://simpleitindy.com/en/blog/author/thomas-burris) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca) [Twitter icon](https://twitter.com/intent/tweet?url=https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca) [envelope icon](mailto:?body=https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca) ![Man Wearing Brown Jacket and Using Grey Laptop](https://simpleitindy.com/hubfs/Imported_Blog_Media/0af92b_1f4e46b2cbf643bbbeecb686b738d5d6~mv2.jpg) Photo by Andrea Piacquadio on Pexels In today's digital world, businesses face a growing risk of cyber threats like data breaches and cyberattacks. To safeguard themselves, many businesses consider getting insurance. There are two common types: cyber insurance and general liability insurance. But what sets them apart, and why does it matter? Let's find out! ### General Liability Insurance General liability insurance is a legal requirement for businesses. It protects them against claims related to bodily injury, property damage, and advertising injury. This insurance covers accidents that happen on the business's premises or as a result of its operations. It helps with things like slip-and-fall accidents, employee-caused property damage, and advertising issues. However, it doesn't cover losses caused by cyberattacks. ### Cyber Insurance Cyber insurance is specifically designed to protect businesses against losses caused by cyberattacks. It covers a wide range of incidents, from data breaches to cyber extortion and even business interruptions caused by cyber incidents. Cyber insurance can help with expenses like investigations, legal fees, notifying affected parties, credit monitoring, and managing public relations. Some policies also cover income loss or extra expenses caused by a cyberattack. ### The Difference Between Cyber Insurance and General Liability Insurance The main difference between cyber insurance and general liability insurance is the types of incidents they cover. General liability insurance protects against physical injuries, property damage, and advertising problems. Cyber insurance, on the other hand, focuses on losses caused by cyberattacks. ### Why Does It Matter? With the increasing frequency and sophistication of cyber threats, it's crucial for businesses to protect themselves. While general liability insurance is important, it doesn't fully cover losses from cyberattacks. That's where cyber insurance comes in. Having cyber insurance provides an additional layer of protection that is specifically tailored for cyber threats. Understanding these differences is vital for businesses. By getting the right insurance coverage, they can shield themselves from various risks. With the peace of mind that insurance brings, businesses can concentrate on what they do best, knowing they are prepared for the unexpected. 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[Read more](https://simpleitindy.com/en/blog/single-post/6-tips-for-preventing-shadow-it-and-driving-business-outcomes) [![Simple IT LLC](https://simpleitindy.com/hs-fs/hubfs/Simple_IT_LLC.png?width=1500&height=500&name=Simple_IT_LLC.png "Simple IT LLC")](https://www.simpleitindy.com) 5255 Winthrop Ave, Indianapolis, IN 46220 - [About Us](https://simpleitindy.com/about) - [Our Services](https://simpleitindy.com/services) - [Who We Serve](https://simpleitindy.com/who-we-serve) - [Client Documents](https://simpleitindy.com/resources) - [Privacy](https://simpleitindy.com/privacy-policy) - [Terms](https://simpleitindy.com/terms-and-conditions) --- [facebook-f icon](https://www.facebook.com/simpleitindy/) [linkedin-in icon](https://www.linkedin.com/company/simpleitinc) Copyright © 2026, Simple IT, Inc. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Thomas Burris", "url" : "https://simpleitindy.com/en/blog/author/thomas-burris" }, "dateModified" : "2024-02-07T23:13:18.896Z", "datePublished" : "2023-06-24T04:00:00.000Z", "headline" : "Cyber Insurance vs. General Liability Insurance: What's the Difference, and Why Should Businesses Ca", "image" : [ "https://simpleitindy.com/hubfs/Imported_Blog_Media/0af92b_1f4e46b2cbf643bbbeecb686b738d5d6~mv2-1.jpg" ], "mainEntityOfPage" : { "@id" : "https://simpleitindy.com/en/blog/single-post/cyber-insurance-vs-general-liability-insurance-what-s-the-difference-and-why-should-businesses-ca", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://simpleitindy.com/hubfs/Simple_IT_LLC.png" }, "name" : "Simple IT" } } ```