Digital Risk is Business Risk
Coverage for Data, Funds, and Downtime
Most Florida businesses rely on email, cloud tools, accounting platforms, and online payments to keep work moving. That includes contractors handling bids, payroll, and subcontractor data. Cyber liability insurance helps cover the financial impact of events like ransomware, phishing, data breaches, and network outages.
GM Insurance Underwriters helps Florida companies add cyber coverage that matches their real operations. Whether you run a
construction firm in Jacksonville, a professional office in Orlando, or a growing service business in Tampa Bay, we’ll help you understand what the policy covers and how to set it up properly.
Why Contractors and SMBs are Targets
Smaller Businesses Get Hit Every Day
Cyber criminals often target small and mid-sized businesses because defenses can be lighter than large corporations. Contractors are especially exposed during busy project seasons when invoices and change orders move quickly and email traffic is high. A fake wire request or a compromised subcontractor portal can create costly losses in a single afternoon.
We help Florida clients tighten coverage around these common patterns, including invoice fraud, credential theft, and ransomware events that delay payroll or
stall projects.
Common Florida Questions About Cyber Coverage
Do I need cyber insurance if I use cloud software?
Yes. Cloud platforms reduce some risk, but you still control access, passwords, and payment workflows. Cyber insurance helps when those systems are compromised.
Is cyber coverage expensive?
Many policies are affordable, especially compared to the cost of a breach. Pricing depends on revenue, data type, and security practices.
What can I do to lower risk?
Strong passwords, multi-factor authentication, staff training, and secure payment verification help. We can also point you to practical steps that fit your business size.