In today’s business environment, if your company does any transactions via the internet, especially if you are processing credit or debit cards, and if your company keeps any client information such as medical records, social security numbers, or any other vital information, having Cyber Liability Insurance coverage is a must.

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    Think for a minute, would your company survive the loss or theft of valuable company data stored on your servers, your website being shutdown from a power failure, or the ultimate nightmare– your site being attacked, or a false-claims accusation triggered by a Twitter, Facebook, LinkedIn, a Company Blog or some other post? More times than not, the answer likely would be no.

    Unlike an incident like a water main burst that interrupts the company’s operations, there is no definable timeline for Cyber Liability. A Cyber Liability claim is one that can evolve over a much longer period of time. We strongly urge our clients to take a hard look at their company, their data, how important it is, and what would be the final costs if something went terribly wrong.


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      Pats the best, hands down, if you need business insurance of any kind you gotta talk to him, crazy how different it is talking with someone who actually specializes in insuring businesses, instead of just a general insurance agent it really helps.

      Michael D. ★★★★★

      PJO was terrific, Patrick was great, know his stuff, helped get a policy for my business, and really explained the different types of insurances, so I understood what I might need besides just a basic general liability, which does very little for my particular company.

      Alex W. ★★★★★

      I came here not sure that I could get the best advice for my insurance plan, PJO were dedicated and advised me what were the available insurance options and plans that I could do with for my business. I truly feel PJO value their clients and I will continue using them.

      Faith D. ★★★★★

      PJO Insurance Brokerage

      Founded in 2003, PJO Insurance Brokerage was founded with the intention of catering to our customers’ insurance needs and providing them with unmatched customer service. We aim to give them the appropriate coverage for all of their business insurance needs.

      Patrick o’neill

      California cyber liability insurance broker, Patrick O’Neill offers top-rated business insurance to help his clients meet the insurance needs and requirements of their business. With over 50 years of combined experience, Mr. O’Neill offers a level of expertise that is unmatched by any other.


      Top California Cyber Liability Insurer

      In most instances, these types of policies are written based on a company’s unique needs, but it protects against two types of risk: first-party and third-party risks. Let’s review first party coverage. It may cover such items as crisis management, costs associated with a forensic analysis if your company was infected with a computer virus that destroys your software and data, engaging a public relations firm to manage a data breach incident, and the loss of business income resulting from a data breach. For a review of third party coverage, it refers to Privacy Coverage and Network Security. This type of Cyber Liability Insurance Coverage may cover such losses stemming from breaches in network security or unauthorized access events.

      Cyber Liability Insurance Agency In California

      Another area is Privacy Regulatory Proceeding Coverage. This particular type of coverage, generally, is provided as a sub-limited part of the privacy liability coverage, which could cover such costs resulting from an administrative, civil or regulatory proceeding that alleges the violation of a privacy law.

      Another coverage your company may want to look at, especially if your company possesses what we refer to as valuable data associated with regulated financial, medical or personal information, is privacy coverage for the potentially onerous costs of a data breach. Also, if you are concerned that your company would find it hard to survive an extended computer-network or website shutdown, you may want to consider network-security coverage.

      An additional coverage to consider if your company hosts any online discussions and risks libel or false-claim accusations is Cyber Media Coverage. One thing we can always count on is that things in the tech world change almost as fast as the speed of sound, and having an insurance plan in place that includes Cyber Liability coverage is a wise decision. If your company would like to learn about Cyber Liability Insurance, please contact the experienced brokers at PJO Insurance Brokerage.






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      In Northern California our brokers have serviced insurance policies for commercial clients in the San Jose, San Francisco, Fresno, Sacramento, Oakland, and Stockton areas.

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      The manufacturing industry in Southern California is expanding quickly and we are insuring businesses in Los Angeles, San Doego, Long Beach, Bakersfield, Anaheim and more.


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