A spoofed email moved $77,000 in minutes. We got it back in 7 days.

Cyber liability insurance covers breach response costs — forensic investigation, legal counsel, customer notification, and credit monitoring — plus ransomware and cyber extortion response, business interruption from a covered attack, and lawsuits or regulatory penalties that follow a data breach. 4J Insurance Brokerage structures cyber policies for Texas and Oklahoma businesses so the coverage matches how you actually operate.

Yes — attackers target small businesses precisely because they have fewer security controls. A single spoofed email can redirect payroll or a vendor payment, and breach notification duties under the Texas Business & Commerce Code apply regardless of company size. If your business stores customer data, invoices by email, or banks online, you carry cyber risk — the only question is whether it's insured.

Often not by default. Many cyber policies exclude deception-induced wire transfers unless a social engineering or funds transfer fraud endorsement is added — and it's the single most common gap we find in policies written elsewhere. 4J verifies that endorsement is in place before you need it. That verification is why one of our clients recovered the full $77,000 from a spoofed-email wire transfer in seven days.

First-party coverage pays your own costs after an attack — forensics, data restoration, lost income while systems are down, notification, and credit monitoring. Third-party coverage defends and pays claims brought against you by customers, partners, or regulators whose data was exposed. A complete cyber program needs both, sized to how your business actually handles data and payments.

Premiums depend on your revenue, industry, how much sensitive data you hold, and your security controls — carriers price MFA, offsite backups, and employee training directly into the quote. Many small Texas businesses are surprised how affordable a well-structured policy is. 4J quotes multiple cyber markets side-by-side so you see the real range for your risk profile instead of one carrier's number.

Move fast. Call your bank immediately to attempt a wire recall, notify your cyber carrier's incident hotline, preserve evidence — don't wipe or rebuild systems yet — and don't negotiate with attackers on your own. As a former claims adjuster and SIU investigator, Deon R. Williams walks 4J clients through claim documentation from the very first call, because how the first 48 hours are handled often decides how the claim pays.