Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Cyber Insurance

Cyber insurance provides financial protection for your business against losses resulting from cyber incidents, such as data breaches and ransomware attacks.

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Cyber Liability Coverage

Cyber Liability Insurance provides financial protection against losses resulting from cyberattack, data breaches, and other online threats, helping your business manage their exposures.



Cyber insurance policies typically include two main types of coverage: first-party and third-party coverage with a wide range of costs associated with cyber incidents, including:


  • 1st Party Losses: Direct expenses incurred by a business following a cyberattack or data breach, which include:
  • Data Breach Response
  • Business Interruption
  • Data Recovery
  • Extortion
  • 3rd Party Claims: When a breach occurs and affects customers and/or business partners, which includes:
  • Privacy Liability
  • Regulatory Fines 
  • Media Liability 
  • Plus, other coverages associated with a Cyber Attack


Cyber Coverage is essential for businesses that handle sensitive information, it provides a financial safety net for financial hardship and we can help you! 

Cyber Threats and Attacks

As cyberattacks become more frequent and sophisticated, the financial repercussions can be devastating. 



Cyber insurance, also known as cyber liability insurance, is designed to help businesses with the financial impact of cyber threats and attacks. It covers various costs associated with cyber incidents, including data breaches, business interruptions, and legal liabilities. As cyber threats continue to evolve, having a cyber insurance policy is becoming increasingly essential for businesses of all sizes. It can help businesses recover from incidents more quickly and reduces the overall financial burden associated with cyber threats and attacks.

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Cyber Coverage 

A Vital Tool for your Business

Protection against the financial fallout of cyber incidents, Bowerman Insurance can help businesses asses their cyber exposures that may affect the financial and time consuming burden of a cyber threat/attack.



It is not a substitute for robust cybersecurity measures the business should take, but rather a complementary strategy to manage the risks that are faced daily. 

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Clear Answers for Cyber Insurance

  • What is cyber insurance and why does it matter?

    Cyber insurance helps protect your business from the financial impact of cyberattacks, data breaches, and system disruptions that can interrupt operations and damage trust.

  • What does a cyber insurance policy typically include?

    Policies often include coverage for data breach response, business interruption, data recovery, extortion, legal defense, and regulatory costs.

  • What are first-party and third-party coverages?

    First-party coverage helps with your direct losses, like recovery costs and downtime. Third-party coverage applies when customers or partners are affected and take legal or regulatory action.

  • How can cyber insurance help after a data breach?

    It can cover expenses like forensic investigations, customer notifications, system restoration, and legal support so your business can recover more quickly.

  • Is cyber insurance necessary if we already have security systems in place?

    Yes. Even strong cybersecurity can’t eliminate all risks, and cyber insurance helps manage the financial impact if an incident occurs.