Best Top Cyber Insurance for SaaS Platforms Handling Customer Data in USA in 2025
Published: December 9, 2025
Executive Summary
We analyzed 5 solutions. Top Recommendation: Coalition Incident Response by Coalition scored highest due to Integrated security platform with continuous attack-surface monitoring and built-in incident response that aims to prevent and mitigate breaches before and after claims..
Coalition Incident Response
coalitioninc.comCoalition Incident Response (CIR) is an affiliate of Coalition, Inc. that delivers digital forensics and incident response (DFIR) services. CIR helps organizations take back control after a cyber incident by providing expert investigation, advanced technology, and post-incident support. Services are available to both Coalition policyholders and non-policyholders.
Key Features:
- Digital forensics and incident response (DFIR) expertise
- Advanced endpoint protection and detection technology
- Threat intelligence integration
- Negotiation with threat actors
- Collaboration with legal counsel and other vendors
- Post-incident monitoring (minimum 30 days for policyholders)
- Add-on cybersecurity services (MDR, tabletop exercises, security assessments)
- Pre-breach support (incident response planning, tabletop exercises)
Smart Cyber Insurance
corvusinsurance.comSmart Cyber Insurance® is designed to protect businesses from cyber threats, offering both primary and excess insurance policies. Coverage is provided on Travelers A++ paper and includes a comprehensive suite of protections against losses from security breaches, cyber crime, and related digital risks.
Key Features:
- Primary and excess cyber insurance policies
- Coverage for businesses up to $5B in revenue
- Limits up to $10M
- First-party coverage: business interruption, contingent business interruption, digital asset destruction, data retrieval, system restoration, system failure, cyber extortion, ransomware, breach response, remediation expenses, social engineering, cyber crime
- Third-party coverage: network security and privacy liability, regulatory investigations, fines, penalties, media liability, PCI DSS assessment expenses
- Additional coverage: bricking, invoice manipulation, forensic accounting, bodily injury, criminal reward, preventative shutdown
- Industry-specific endorsements for healthcare, financial institutions, manufacturing, and construction
Cyber Insurance
cowbell.insureCowbell Prime 100 offers cyber insurance tailored for SMEs, especially those purchasing cyber insurance for the first time or seeking more comprehensive protection than bundled policies. The product is designed to address the most common cyber incidents, such as ransomware, phishing, business interruption, and data compromise, with clear policy language and rapid, customizable coverage.
Key Features:
- Admitted, standalone cyber insurance
- Coverage for a wide range of cyber incidents
- Customizable policies
- Streamlined quoting and binding process
- Cowbell Factors™: Easy-to-understand risk ratings
- Cowbell Insights: Actionable guidance to strengthen defenses
- Cowbell Connectors: Integrations with cloud and security providers
- Complimentary cybersecurity awareness training (unlimited seats for first policy year)
- Cowbell Resiliency Services (CRS): Tools and expert guidance for vulnerability identification and recovery
- 24/7 expert claims support
Business Insurance
chubb.comChubb's Business Insurance provides comprehensive coverage options for businesses ranging from small startups to large multinational corporations. The offering includes a wide array of products, services, and industry-specific expertise to address evolving risks and ensure business continuity.
Key Features:
- Customizable insurance products (liability, cyber, property, accident & health, etc.)
- Industry-specific solutions across 30+ industry practices
- Risk engineering and consulting services
- Claims support and business income consultation
- Coverage for businesses of all sizes
- Global reach and multinational capabilities
Insurance
axaxl.comAXA XL Insurance offers a broad range of commercial insurance products and risk management services, serving clients in over 200 countries and territories. The offering is designed to address the needs of businesses facing complex, emerging, and specialty risks, with a focus on innovation, flexibility, and partnership.
Key Features:
- Coverage in more than 200 countries and territories
- Award-winning captive solutions
- Primary and excess casualty insurance
- Flexible construction coverages and risk engineering
- Full suite of cyber insurance solutions
- Environmental insurance expertise
- Excess & Surplus (E&S) solutions for unique risks
- Multinational/global program capabilities
- Professional liability coverage
- Property insurance for commercial assets
- Specialty insurance (aviation, marine, fine art, etc.)
- Structured risk and (re)insurance solutions
- Delegated authority and program business
- Wholesale insurance for complex or non-standard risks
- Customized risk management and consulting