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Not All (Cyber) Policies Are Created Equal
Written by: Staff Writer | December 29, 2025
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Cyber Coverage – Endorsement vs. Stand-alone Policy
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How Does Your Policy Compare
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The Bottom Line
Cyber Coverage – Endorsement vs. Stand-alone Policy
Many business owners feel at ease by being able to say, “Yes, I have cyber,” when in actuality they have very limited coverage. They assume adding a cyber endorsement to their package policy is enough, but the reality is that endorsements often leave critical gaps. Review the below comparison to see if your policy is meeting your needs.
How Does Your Policy Compare
| Cyber Endorsement (Add-on to Package Policy) | Stand-alone Cyber Policy |
PROS
CONS
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PROS
CONS
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The Bottom Line
Endorsements are entry-level protection, suitable for small businesses with minimal cyber exposure, and even then, it might not be enough. For any company handling sensitive data, conducting online transactions, or relying on IT systems, a stand-alone policy is strongly recommended.
Written by
Staff Writer
|December 29, 2025
Jump to section
01
Cyber Coverage – Endorsement vs. Stand-alone Policy
02
How Does Your Policy Compare
03
The Bottom Line