Skip to main content

Veteran-Owned-Logo

We Protect. You Build.

Finding insurance coverage starts with Churchwell Insurance Agency.

Connect With UsRequest a Quote

Business Insurance

Safeguard your business.

Personal Insurance

Protect what you love.

Executive Liability

Shield your leadership and balance sheet.

Client Service Center

Find service options for your policy.

About Churchwell Insurance Agency

Our veteran-owned boutique agency is renowned for providing comprehensive insurance solutions with access to excess of 100 insurance companies to meet our client’s needs. Our agency offers personal lines and small commercial insurance in the Carolinas, and global relationships are available to our MicroCap public companies and select PE firms. With a reputation for delivering personalized service and expert guidance, Churchwell Insurance Agency serves as trusted advisors, offering tailored insurance solutions to mitigate risks and safeguard against emerging threats.

Learn About UsWhy Go Independent?
Homepage - Why Our Agency Is Your Best Choice Checklist
Cyber Liability
Cyber Liability Coverage
Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers. If this information is lost, stolen, or compromised, your company is at risk. In fact, you may even be required by law to alert those impacted by the breach and to pay for any financial loss incurred.

Solution

Cyber liability coverage offers protection due to unauthorized access of electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your business.

First-Party Coverage
Risk Factor

If your company is faced with a data breach or cyber-attack, you may be forced to cover breach-related expenses such as crisis management, hiring a public relations firm to manage a data breach incident, costs associated with forensic analysis, the cost of repairing and restoring computer systems if there is a virus that destroys business software and data, and the loss of business income resulting from a data breach.

Solution

First-party coverage will insure your business for losses to your own data or lost income or for other harm to your business resulting from a data breach or cyber-attack. This coverage will pay you for things like business interruption, the cost of notifying customers of a breach, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber-attack. Having this funding available in the event of a crippling hack can keep the lights on till you’re able to resume your normal business operations.

Business Income
Risk Factor

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as data breach or cyber-attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Third-Party Coverage
Risk Factor

If your business handles sensitive customer data (such as email lists, credit card records or other files), data breaches pose a serious threat to your financial stability. A lawsuit resulting from a data breach means your business is responsible for paying legal fees, court-ordered judgments or settlements and other court-related costs.

Solution

Third-party coverage protects you in the event of a lawsuit brought by a customer or partner for a data breach that your business' actions or negligence allowed.

Regulatory Claim Coverage
Risk Factor

If your business experiences a data breach or violation of confidential information during regular business operations, you may be found in violation of privacy laws and be required to pay fines for the violations or other regulatory issues.

Solution

You may be eligible for regulatory claim coverage which would offer protection in response to proceedings related to disclosure laws and other governmental actions that can result in defense costs, fines and/or penalties. Coverage does vary and may be restricted by local law.

Ransom Coverage
Risk Factor

If hackers gain control of critical systems, they may demand a ransom be paid to avoid additional consequences. Sometimes these can be empty threats, but it’s impossible to know for sure. Paying the ransom can be costly. Taking a chance by choosing not to pay can sometimes put a company out of business.

Solution

Coverage for ransom and cyber extortion can be included in cyber liability policies and can help cover the cost of ransom to regain control of network systems. This is often not included in a standard policy, may include a separate sublimit and deductible, and may require adherence to certain conditions set forth by the insurer.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

Manage Your Policies

Already a client of Churchwell Insurance Agency? Visit our Service Center to make requests and manage your insurance.

Visit Service CenterClient Portal

Our Clients Rave About Us

Check out our reviews and see why you should switch to Churchwell Insurance Agency.

Read Our Google Reviews

“They actually helped me understand what I was buying and how to best protect myself and my business.”

Johnny H.

“I’m extremely happy that I called Churchwell Insurance!”

Christie M.

“I had a great experience with Churchwell Insurance Agency.”

Tommy D.

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact Churchwell Insurance Agency

"*" indicates required fields

Name
Please do not include sensitive, private information in this area.
Please select coverage.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 844-604-1357 or email us.