SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/biz-cyber-insurance-coverage

In cyber insurance, what does first-party coverage protect?

Your own business's data and costs after a cyber incident.

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  1. Claims from customers suing you
  2. Your own data and recovery costs ✔
  3. Your employees' work injuries

Why: The FTC says first-party cyber coverage protects your data, including employee and customer information, and pays costs like legal counsel and data recovery. Third-party coverage handles claims others bring against you. Many businesses get both.

Huh, didn't know that: The FTC suggests looking for a policy with a breach hotline available every day of the year at all times.

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References

Answer: Your own data and recovery costs. The FTC says first-party cyber coverage protects your data, including employee and customer information, and pays costs like legal counsel and data recovery. Third-party coverage handles claims others bring against you. Many businesses get both.

  1. FTC: Cyber insurance www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance
    First-party cyber coverage protects your data, including employee and customer information.
    Checked 2026-10-11.

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