Business Protection Perfected: Commercial Insurance Your Way

Partner with Fort Collins' trusted commercial insurance experts for personalized coverage that safeguards your business future

Safeguard Your Business Against Today's Complex Risks

In today's dynamic business environment, protecting your enterprise isn't just an option—it's essential. At FOCO Insurance, we understand that your business is unique, with its own specific risks and challenges. Our commercial insurance solutions are designed to safeguard everything you've built, from your physical assets to your financial security. With over 30 years of local expertise, we provide personalized coverage that grows with your business, ensuring you're protected against both common and unexpected risks.

FAQs

Who needs cyber liability insurance?

Any business that handles sensitive data, conducts online transactions, or relies on digital systems should consider this coverage.

Learn More >
Does cyber liability insurance cover ransomware attacks?

Yes, policies often cover ransomware incidents, including ransom payments (where legal) and costs to restore data.

Learn More >
How are cyber liability insurance premiums determined?

Factors include business size, industry, types of data handled, security measures in place, and prior cyber incidents.

Learn More >
What does cyber liability insurance cover?

It covers costs related to data breaches, such as notification expenses, legal fees, forensic investigations, public relations, and liability claims from affected parties.

Learn More >
Does cyber liability insurance cover regulatory fines and penalties?

Some policies may cover fines and penalties imposed by regulatory bodies, subject to policy terms and legal allowances.

Learn More >
Do small businesses need cyber liability insurance?

Yes, small businesses are often targets for cyber attacks due to potentially weaker security systems.

Learn More >
What is not covered by cyber liability insurance?

Exclusions may include pre-existing breaches, intentional acts by insiders, and failure to maintain basic security measures.

Learn More >
What is the difference between first-party and third-party cyber coverage?

First-Party Coverage: Covers your business's own losses. Third-Party Coverage: Covers claims against your business by others affected by a cyber incident.

Learn More >
What is cyber liability insurance?

Cyber liability insurance protects businesses against losses from cyber attacks, data breaches, and other cyber-related incidents.

Learn More >
What is social engineering fraud, and is it covered?

It's a scam where criminals trick employees into revealing confidential information; coverage varies by policy.

Learn More >

Experience the Difference

Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.