Myth
Trucking companies don't get hacked.
Truth
Trucking-specific ransomware events are now common — dispatch systems offline mean no loads moving. The cost of a single multi-day outage often exceeds the entire policy premium.
CYB Cyber Liability
ELD, TMS, and dispatch-system exposure. Increasingly required by broker contracts as ransomware on trucking dispatch becomes routine.
The exposure this line addresses.
First-party costs of a cyber event (data breach notification, forensics, business interruption, ransomware payment) and third-party liability (defense costs, settlements when customer data leaks). Trucking carriers carry ELD data, TMS shipper/load records, EDI partner credentials, and dispatch-system credentials — all of which are now ransomware targets.
Triggers — when this line is required.
- ELD (Electronic Logging Device) data storage
- TMS (Transportation Management System) with customer / shipper data
- EDI partner connections requiring credential management
- Broker contracts requiring cyber attestation or coverage
What this line does NOT cover
- Bodily injury (covered under AL / GL)
- Property damage (covered under APD)
- Failure to maintain security baseline (some policies require minimum controls)
Limits we recommend by segment.
These are public-facing baselines for typical risk profiles. The intake re-derives line-specific limits based on your actual operation, contract obligations, and loss profile.
Owner-operator
$1M entry-level
Small fleet (2-10)
$1M-$2M
Mid-fleet (11-50)
$2M-$5M with sub-limits per coverage element
Large account (51+)
$5M+ with first-party / third-party split limits
Day-one carriers writing CYB.
From the panel that ranks top-3 per line for your risk profile. Each carrier clears the A.M. Best A- floor; final selection is made in the piece-out matrix at quote time.
Markel
Specialty
Travelers
Preferred · Standard
What rookie operators get wrong.
Myth
Cyber is just data breach.
Truth
Modern cyber policies cover ransomware payment / negotiation, business interruption, social-engineering fraud (phishing-induced wire transfers), and third-party defense. Data breach is one element of many.
Myth
My IT vendor's cyber insurance covers me.
Truth
Their policy covers their liability. Your dispatch downtime, your customer data, your wire-fraud losses are yours. Vendor management is good practice but is not coverage substitute.
Frequently asked
Is cyber insurance required for trucking?
Not federally — but broker contracts increasingly require cyber attestation or a minimum policy limit. The trend line is upward.
Does cyber cover ransomware payment?
Yes, with limits and conditions. Most cyber policies cover negotiation services, ransom payment, and forensics — subject to a sub-limit and to government sanctions screening (you cannot pay an OFAC-sanctioned ransomware group).
What controls do cyber carriers require?
Common minimums: MFA on critical systems, endpoint detection (EDR), routine backups verified, employee phishing training, incident response plan. Carriers may decline or sub-limit if these aren't in place.
Does cyber cover social-engineering fraud?
Most modern policies do — but as a sub-limit ($100K-$250K common), separately from the main cyber tower.
What's the typical cyber deductible?
$5K-$25K for small fleets; $25K-$100K for mid; $100K+ for large accounts.
Ready for a CYB quote?
One intake. Per-line submissions to your top 3 carriers. A coordinated binder.