January 18, 2026
Agency
Does Your BOP Cover Cyber Liability?
As a Nevada small business owner, you may rely on a business owners policy (BOP) to protect your company from a range of risks. While a BOP is a valuable foundation for business insurance, it’s important to understand what it does and does not cover, especially when it comes to cyber liability.
What Does a Standard BOP Include?
A typical BOP combines general liability insurance, commercial property coverage and business interruption insurance. These elements can help with claims related to property damage, customer injuries or lost income after a covered event. For many small businesses, this bundled approach offers essential coverage for common risks.
Does a BOP Cover Cyber Liability?
Most standard BOPs do not automatically include coverage for cyber incidents. This means losses from data breaches, cyberattacks or other digital threats are generally excluded unless you specifically add cyber liability coverage to your policy. Many business owners mistakenly assume their BOP financially protects them from all risks, but cyber events are a growing threat that requires dedicated protection.
Why Consider Cyber Liability Insurance?
Cyber liability insurance is designed to help businesses manage the financial fallout from cyber incidents. This policy may help pay for costs such as:
- Data breach response and notification expenses
- Legal fees and settlements
- Cyber extortion and ransomware demands
- Reputational recovery efforts
With cyber threats on the rise in Nevada and beyond, even small businesses can be targeted. Adding cyber liability coverage to your insurance portfolio can help financially safeguard your operations.
We’re Here to Help
Affordable Insurance helps Nevada business owners understand their insurance options and close any coverage gaps. If you’re unsure whether your BOP includes cyber coverage or if you want to explore adding cyber liability insurance, our team is here to guide you. Contact us today to get started.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.