Cyber Insurance.

Confidently Secure. Confidently Insured.

Whitepaper: Debunking Cyber Insurance Myths

Cybersecurity + Cyber Insurance. All in One Place.

Protect your business from today’s cyber threats with a trusted cybersecurity IT provider who also, through its strategic partnership with Aragon Way Insurance, delivers best-in-class insurance- all in one seamless experience.

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Why Cyber Insurance Matters

Cybercrime Doesn’t Just Target Big Business

43% of cyberattacks are aimed at small businesses, and yet, only 14% are adequately prepared to defend themselves, according to the US Small Business Administration.

When a breach happens, many SMB’s discover too late that they’re unprotected, unprepared and uninsured.

Cyber insurance should be:

Easy to understand.
Simple to get insured.
Built around your business’s actual security posture.
Delivered by a team that understands your business.

This is why ZTrust Advisors has partnered with Aragon Way Insurance – to help your business stay secure, compliant, and financially protected with zero friction between your cybersecurity and cyber insurance providers.

Trusted Partners. Total Coverage.

We’re Not Just Your Technology Provider..

By combining our managed IT and security cyberservices with cyber insurance, we make sure every box is checked:


What You Get	How It Helps You
✅ Integrated Cyber Insurance	Coverage that aligns with your actual security tools and risks – no guesswork needed.
✅ Simplified Application Process	One form. Custom Quotes.
✅ Premium Reduction for Secure Businesses	Potentially save money by using approved security solutions – insurance carriers may reward readiness.
✅ Faster Incident Response	In the event of a breach, you get expert response teams (our partners + cyber insurance carrier) at your side.
✅ Expert Guidance	We explain what matters in plain English – and through our partners, help you get the right coverage.
✅ One Point of Contact	No handoffs. Our partnership handles everything – security and insurance – for you.

No handoffs. No generic policies. Just smarter, faster, integrated protection.

What Does Cyber Insurance Cover?*

*For informational purposes only. Coverage may or may not include or extend beyond the areas specified below.

Always refer to the insurance policy documents for complete coverage details.

Event Response

Coverage

Description

Rapid Response Services

Provides immediate access to critical resources when facing an incident–including a two-hour legal consultation from a panel provider and support from Coalition Incident Response2–at no cost. Sometimes referred to as Breach Response Services.

Breach Response Costs

Coverage for costs to respond to a breach and help you recover, including incident response, customer notification, credit monitoring, and legal costs.

Ransomware & Cyber Extortion

Coverage for costs to respond to an extortion incident, up to and including payment of a ransom demand.

Direct & Contingent Business Interruption

Coverage for financial losses resulting from a failure in security or systems failure, and the extra expenses incurred to bring the company back online.

Data Recovery & Computer Replcement Costs

Coverage for the costs to replace, restore, or recreate digital assets that are damaged or lost following a security failure, such as a ransomware attack. Sometimes referred to as Digital Asset Restoration.

Crisis Management & Public Relations

Coverage for fees and expenses to mitigate harm to a policyholder’s reputation, including public relations experts, media purchases, and voluntary stakeholder notification costs. Sometimes included under Breach Response Costs.

Proof of Loss Preparation Expenses

Coverage for costs associated with hiring a forensic accounting firm to document a policyholder’s lost income and additional expenses from a disruption in their computer network from a security or systems failure.

Computer Replacement Costs

Coverage for the costs associated with replacing computer hardware whose integrity has been permanently altered by malware (sometimes called “bricking”).

Reputational Harm Loss

Coverage for the lost net profits resulting from an adverse publication concerning a security failure, data breach, or cyber extortion suffered by a policyholder that affects their customers or clients.

Court Attendance

Coverage for reasonable costs and expenses when we request policyholders attend a trial, hearing, deposition, mediation, arbitration, or other proceeding relating to the defense of any claim.

Criminal Reward

Coverage for a reward for information that leads to the arrest and conviction of anyone who commits, or tries to commit, an illegal act related to coverage under our policy.

Cyber Crime

Coverage

Description

Funds Transfer Fraud & Social Engineering

Coverage for financial losses incurred from a fraudulent instruction or social engineering that results in a fraudulent transfer of funds.

Service Fraud including Cryptojacking

Coverage for the direct financial losses incurred as the result of fraudulent usage of business services resulting from a security failure.

Impersonation Repair & Phishing

Coverage for a policyholder’s customers’ losses and to help stop the ongoing impersonation of the policyholder to limit future losses.

Invoice Manipulation

Coverage for direct net costs (excluding any profit) for which a policyholder is unable to collect payment as the direct result of their customer being tricked into sending the payment to a fraudster.

3rd-Party Security & Privacy

Coverage

Description

Network Security & Privacy

Coverage for defense costs and damages from liability to a third party resulting from a security failure, data breach, or privacy violation. Sometimes referred to as Network and Information Security Liability.

Regulatory Actions

Coverage for defense costs and regulatory fines and penalties resulting from a security failure or data breach (subject to applicable law). Sometimes referred to as Regulatory Defense and Penalties.

PCI Fines & Assessments

Coverage for PCI fines or assessments made against a policyholder resulting from a security failure or data breach.

Funds Transfer Liability

Coverage for defense costs and damages from liability to a third party for fraudulent transfers of funds owed to another party resulting from a failure in the policyholder’s security.

Media & Professional Liability

Coverage

Description

Media Liability

Coverage for defense costs and damages from liability to a third party for multimedia wrongful acts, such as infringement, defamation, or piracy. Sometimes referred to as Multimedia Content Liability.

Technology Errors & Omissions

Coverage for defense costs and legal liability incurred from errors and omissions related to information technology products and services provided by the organization.

Miscellaneous Professional Liability

Coverage for defense costs and legal liability incurred from errors and omissions related to the insured’s professional services scheduled on the policy.

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Let’s Talk About Protecting Your Business

Cybersecurity and Insurance – All in One Place

No Spam. Promise!

AT&T Cybersecurity

Suite of industry-leading cybersecurity services helps ensure your network is resilient and secure.

Endpoint Detection

SentinelOne for Small Business

Enterprise cybersecurity protection for small businesses infographic.

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Fight Ransomware

Quickly Respond to Cyberattacks

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AT&T Dynamic Defense

Security-as-a-Service

What is it? A network solution that detects threats, filters malicious traffic, and executes security controls before the data reaches your network.

What can you use it for? Get built-in threat protection with your connectivity solution. AT&T Dynamic Defense helps you stay ahead of ever-evolving threats and have the right policies and protections in place.

Discover AT&T Dynamic Defense

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AT&T Mobile Threat and Anomaly Detection

Visibility and Threat Detection

What is it? Provides visibility and threat detection for cellular IoT devices using advanced machine learning models to define normal device behavior and detect anomalous patterns.

What can you use it for? Be alerted in real time to threats or unusual behavior. Get visibility into malware and botnet-infected devices, abnormal behavior, aggressive devices, and other threats.

Discover AT&T Mobile Threat and Anomaly Detection

AT&T Dynamic Defense

AT&T Dynamic Defense is a network-embedded security service integrated with AT&T Dedicated Internet or Switched Ethernet, offering real-time threat detection and automated blocking of malicious traffic using AT&T’s global threat intelligence.

You can use it to protect your business network from cyber threats—including malicious IPs, viruses, and intrusions—without installing extra hardware by applying predefined or custom security policies that activate in under 30 minutes.

Threat & Anomaly Detection

AT&T Mobile Threat and Anomaly Detection is a network-based solution that offers advanced visibility into your cellular IoT environment by monitoring for unusual activity. It is easy to configure and deploy, helping you detect and respond to potential threats before they strike. In today’s connected world, security is incomplete without the ability to identify anomalies in real time.

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Cyber Insurance.

Confidently Secure. Confidently Insured.

Cybersecurity + Cyber Insurance. All in One Place.

Why Cyber Insurance Matters

Trusted Partners. Total Coverage.

What Does Cyber Insurance Cover?*

Event Response

Cyber Crime

3rd-Party Security & Privacy

Media & Professional Liability

Let’s Talk About Protecting Your Business

AT&T Cybersecurity

Endpoint Detection

Fight Ransomware

AT&T Dynamic Defense

AT&T Mobile Threat and Anomaly Detection

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