Who insures it · 6 named markets · read 2026-10-28

Who insures Cyber for small business?

Cyber for small business is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Cyber for small business: Evolve MGA, Beazley, Coalition, CFC, The Hartford and others. 4 MGAs, 2 admitted carriers. 2 on admitted paper.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Evolve MGA MGA	Cyber-focused managing general agent with full underwriting authority writing cyber for SMEs with cyber risk exposures up to $250M (some classes up to $500M). “We cater to SMEs with cyber risk exposures up to $250M, with some classes up to $500M.”	not stated	not stated	evolvemga.com · read 2026-10-28
Beazley Admitted carrier	Full Spectrum Cyber for small and medium sized businesses, for accounts under US$35m in revenues with maximum limits of US$5m, quoted through the myBeazley platform. “Our Full Spectrum Cyber solution for small and medium sized businesses.”	not stated	not stated	beazley.com · read 2026-10-28
Coalition MGA	Active Cyber and AI Insurance for SMEs (separate enterprise product with minimum revenue thresholds); coverage built to prevent, respond and defend against digital risk; carrier logos shown include Allianz, Arch, Lloyd's and Zurich. “Active Cyber and AI Insurance for SMEs”	not stated (differs by geography; see Licenses)	not stated	coalitioninc.com · read 2026-10-28
CFC MGA	Cyber Proactive Response for businesses with revenues $0-250m (corporate cyber from $250m upward), cyber excess, and a Cyber (admitted) product. “For business revenues $0–250m.”	not stated	Admitted	cfc.com · read 2026-10-28
The Hartford Admitted carrier	Cyber insurance for small businesses (page title) with coverages tailored to the business; products not available in all states or for all businesses. “The Hartford offers cyber insurance coverages tailored to your business' needs.”	not stated (not available in all states)	not stated	thehartford.com · read 2026-10-28
Cowbell MGA	Cowbell Prime 100: admitted, standalone cyber insurance for small and medium-sized enterprises with up to $100M in revenue, paper provided by Spinnaker Insurance Company; Cowbell acts as general agent for carriers. “Admitted, standalone cyber insurance for businesses with up to $100M in revenue”	not stated (only where Cowbell is licensed)	Admitted	cowbell.insure · read 2026-10-28

Also verified but trimmed to keep six: Travelers (https://www.travelers.com/cyber-insurance: 'For small businesses to Fortune 500 companies and every organization in between'). Chubb's cyber page has no small-business statement; Corvus by Travelers says 'companies of all sizes' on a Travelers surplus lines nonadmitted basis; Elpha Secure's homepage has no SMB appetite sentence; Hiscox returned 403; At-Bay fetch misrouted.

How Cyber for small business gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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