Best Top Cyber Insurance for Construction Companies in USA in 2025
Published: December 9, 2025
Executive Summary
We analyzed 5 solutions. Top Recommendation: HSB Cyber Suite by HSB (Hartford Steam Boiler) via independent agents scored highest due to Broad enhancement options such as coverage for system damage ("bricking"), betterment, and emerging threats, distributed through independent agents who can align coverage with construction operations..
HSB Cyber Suite
hsb.comHSB Cyber Suite offers cyber insurance for small businesses, enabling commercial insurers to protect their clients from evolving cyber threats. The suite includes comprehensive coverage, risk management tools, and 24/7 support to help businesses prevent and recover from cyber incidents.
Key Features:
- Broad coverages that can be layered for tailored protection
- Risk management services to help mitigate threats before they happen
- 24/7 access to cyber claim specialists
- Customizable limits to fit business size and needs
- Continuous refinement and expansion of coverage
Business Insurance
thehartford.comBusiness insurance, also known as commercial insurance, provides essential protection for business owners against unexpected claims and losses. The Hartford offers a range of coverages tailored to different industries and business needs, helping to keep employees safe and businesses running smoothly.
Key Features:
- General Liability Insurance: Covers lawsuits for negligence, bodily injury, property damage, libel, and slander
- Workers’ Compensation Insurance: Covers employee medical bills, rehabilitation, and lost wages due to work-related injuries or illnesses
- Professional Liability Insurance: Protects against claims of negligence in professional services or advice
- Commercial Property Insurance: Protects owned or rented buildings, tools, and equipment
- Commercial Auto Insurance: Covers costs of auto accidents involving business vehicles
- Cyber Insurance: Covers liability and costs related to cyber threats, data privacy, and network security
- Business Owner’s Policy (BOP): Bundles general liability, commercial property, and business income insurance
Cyber Liability
holmesmurphy.comCyber Liability insurance from Holmes Murphy is designed to protect businesses from the financial, operational, and reputational harm caused by cyber incidents. The service includes risk assessment, tailored insurance coverage, and ongoing risk management support to ensure cyber resiliency.
Key Features:
- Full coverage service with tailored insurance and risk management
- Cyber risk assessment and valuation
- Loss modeling and predictive analysis
- Peer benchmarking against industry peers
- Threat intelligence and real-time risk monitoring
- Incident response planning and resources
- Employee security awareness training and phishing simulation
- Implementation of prevention strategies (MFA, MDR/EDR, air-gapped backups)
- Ongoing advisory and support
Business Insurance
toofer.comBusiness Insurance from Tooher-Ferraris Insurance Group provides a wide range of insurance solutions to protect companies from unexpected risks. The offering includes commercial insurance, surety bonds, employee benefits, and specialty insurance programs tailored to specific industries. The approach is consultative, focusing on identifying exposures and implementing risk management strategies.
Key Features:
- Commercial insurance (property, liability, specialized protections)
- Surety bonds (for construction, compliance, financial guarantees)
- Employee benefits (health, wellness, benchmarking, compliance)
- Specialty insurance programs for unique industry risks
- Risk management and loss exposure analysis
- Collaborative, consultative approach
- Access to 24/7 account information via mobile app
Cyber Insurance
insureon.comCyber insurance helps businesses recover from data breaches and cyberattacks, which are increasingly common and costly. It provides crucial protection for businesses that handle sensitive information that could be exposed in a security breach.
Key Features:
- First-party coverage: Covers direct costs to your business from a cyber incident.
- Third-party coverage: Covers legal costs if a client sues your business for failing to prevent a breach at their company.
- Business interruption coverage: Covers lost income and extra expenses due to cyber incidents.
- Ransomware/extortion coverage: Pays for ransom demands and related costs.
- Data breach response: Covers forensic investigation, notification, credit monitoring, and PCI compliance fines.