Securing Digital Frontiers: Understanding Cyber-Risk Coverage for Cleaners

Cleaning services business

In an increasingly digital world, cybercrime has become a huge problem, and it's constantly on the rise. It's estimated it will cost the world $10.5 trillion per year by 2025.

These days, almost all businesses operate online to some degree. Unfortunately, they don't all have the right protection in place to help avoid becoming victims of cybercriminals. Even those with solid security in place could still be hacked or exploited in some way.

Cleaning services may not think they need to be covered, but cyber liability insurance is something most companies should take seriously. Keep reading to find out what you might want to know about cybersecurity for a cleaning business.

What Does a Cyber Insurance Policy Provide?

Cyber threats are constantly evolving, and cyber insurance has evolved with them. Cyber insurance policies can vary significantly depending on both the provider and the company they're insuring.

One of the most important things to bear in mind is that cyber insurance is in no way the same thing as cybersecurity. You might want to have a robust cybersecurity strategy in place to help protect your business, your employees, and your customers.

A Business Owners Policy (BOP) can be a safety net that can help you if you do fall victim to cyber criminals. It is comprised of multiple commercial insurance coverages in a single package.

A BOP from PolicySweet® provides cyber-risk coverage as well as general liability and business property coverage. This approach offers protection against multiple risks for your business. Having various coverages combined into one package can make things significantly less complicated and can help to ensure there are few gaps in your coverage.

Cyber Insurance Insuring Agreements

In general, a cyber insurance policy can cover the costs of investigating and responding to an event, as well as the financial impact it has on a company. The exact wording may vary between different policies depending on what a provider offers, and what a company wants or needs. To get an idea of what yours might include, these are some of the typical elements of a cyber insurance policy.

Forensic Investigations

This can help to identify and categorize the attack, analyze the damage caused, determine the threat, and pinpoint the affected accounts, systems, and endpoints. This can be vital for a company to contain the attack and help reduce the overall damage it can cause. It can also help determine the scale of the damage and establish a suitable recovery plan.

Breach Legal Counsel

Data breaches can be devastating, and cyber insurance coverage typically includes legal counsel. This can help you understand what steps your cleaning business may need to take after a cyber-attack.


If you do suffer a data breach, it's your responsibility to notify your customers or clients that their personal information may have leaked. This typically includes things like names, addresses, and emails, but could also be more sensitive information like credit card numbers and bank account details.

Your company might also have to notify the relevant government agencies and authorities and may need to provide further documentation. Most cyber insurance agreements can cover the costs of notifying impacted parties.

Victim Credit Monitoring

You may be responsible for costs associated with credit monitoring or the restoration of victims' details in the event of a breach. Bear in mind this might only apply in certain states.

Reputational Harm

One of the worst things a cyber-attack can cause is harm to the reputation of a business. Customers may no longer consider it safe, so a business can lose their customers to competitors.

A strong policy can help cover the costs of marketing and public relations efforts following a cyber-attack. This can be essential for a business to help retain customers or bring in new ones.

Why Cyber Insurance Is Important for Cleaning Services

Like most industries, the cleaning industry runs on digital systems. Your business likely uses apps, cloud computing, and more, which could present cyber security risks to some degree.

It can be vital to have a robust cyber security system in place to help protect your business. This won't make it bulletproof, however, which is why having cyber insurance can be vital.

Why Choose PolicySweet?

With so many providers available, it can be important to choose one that can give you the protection you might need. At PolicySweet, we offer fully customizable coverage. Even in the cleaning industry, every business is different, so we can discuss the needs of your business to create a policy that you might be looking for.

You may have plenty of questions down the line, and we prioritize customer support. If anything comes up or you experience any issues, you can give us a call, speak to one of our live agents, or email us at any time.

On top of this, we can provide you with a quote in just a few minutes. As a business owner, you're likely very busy, and waiting around for insurance quotes probably isn't ideal. We can get your quote to you as soon as possible and could have you insured in as little as the next business day.

Finding Coverage for Your Cleaning Company

Your cleaning services business should be protected. Take the time to consider the level of protection you might need. PolicySweet can help determine the type of coverage for your company.

We offer affordable insurance to several types of small businesses, so don't wait around. Get the coverage you are looking for right now to help make sure your company is protected. Our BOP covers cyber-risks, general liability, and business property coverage, so get your free quote from us today.


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