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Cyber Liability Insurance for Trucking Companies

Cyber Liability insurance protects trucking companies from financial losses caused by hacking, ransomware, data breaches, and digital fraud. Trucking today depends on technology. Dispatch portals, TMS platforms, ELD systems, billing software, email, and online banking are all entry points for cyber criminals.

Cogo Insurance provides Cyber Liability insurance designed specifically for trucking companies, fleets, owner operators, freight brokers, and logistics businesses operating in the United States.

Why Cyber Liability Matters in Trucking

Trucking companies handle sensitive and valuable data every day:

  • Driver personal information and CDL records
  • Dispatch instructions and load data
  • Broker and shipper contracts
  • ACH and wire payment information
  • Login credentials for ELD, TMS, and fuel systems

A cyber incident can shut down dispatch, delay deliveries, freeze payments, and expose the company to legal and regulatory consequences.

Cyber Liability insurance provides both financial protection and immediate response support when an incident occurs.

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What Cyber Liability Insurance Covers

Cyber Liability policies are designed to address both direct losses and third-party claims.

Common coverage includes:

  • Ransomware and cyber extortion response
  • Data breach notification and response costs
  • Cyber forensic investigation
  • System and data restoration
  • Business interruption caused by network downtime
  • Legal defense and settlements
  • Regulatory fines and penalties where allowed
  • Social engineering and funds transfer fraud when included

Coverage can apply whether the breach comes from an internal system or a third-party vendor.

Cyber Threats Common in Trucking

Trucking companies are frequently targeted because payments move fast and operations depend on access.

Common threats include:

  • Ransomware locking dispatch or billing systems
  • Phishing emails impersonating brokers or shippers
  • ACH and wire fraud tied to load payments
  • Compromised ELD or telematics credentials
  • Email account takeovers
  • Vendor platform breaches

Even small fleets and single-location operations are targeted.

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Who Needs Cyber Liability Coverage

Cyber Liability insurance is relevant for:

  • Trucking companies using dispatch or billing software
  • Fleets operating ELDs, TMS, or telematics systems
  • Owner operators invoicing electronically
  • Freight brokers and logistics companies
  • Companies storing driver or customer data
  • Businesses required by contracts to carry cyber insurance

If your business uses email, cloud software, or online payments, cyber exposure exists.

Typical Cyber Liability Limits

Limits should reflect revenue, data volume, and downtime exposure.

Common limits include:

  • $250,000 for small operations
  • $500,000 to $1,000,000 for growing fleets
  • Higher limits available for larger fleets and brokers

Cogo Insurance helps select limits based on operational risk, not guesswork.

What Affects Cyber Liability Pricing

Pricing is influenced by:

  • Annual revenue
  • Number of drivers and employees
  • Type of data stored
  • Use of multi-factor authentication
  • Payment controls and approval processes
  • Prior cyber incidents

Basic security practices often reduce premiums and improve coverage terms.

Common Cyber Coverage Gaps We Fix

Many trucking companies assume their risk is minimal until an incident occurs.

We frequently identify:

  • No ransomware coverage
  • Excluded funds transfer fraud
  • Insufficient business interruption limits
  • No coverage for vendor-caused breaches
  • Policies written for non-transportation businesses

Cogo Insurance structures cyber coverage around how trucking companies actually operate.

Why Trucking Companies Choose Cogo Insurance for Cyber Liability

We understand trucking operations and cyber risk.

  • Cyber insurers that actively write transportation risks
  • Coverage aligned with dispatch and payment workflows
  • Coordination with existing liability programs
  • Practical guidance before and after incidents
  • Claims support when time matters

Cyber insurance protects operations, revenue, and reputation.

Cyber Liability Insurance FAQ

It is not required by law, but many brokers and shippers now require it by contract.

Yes, when properly written, it can cover ransom payments, investigation costs, and system restoration.

Funds transfer fraud and social engineering coverage must be specifically included.

Yes. Smaller companies are often targeted because security controls are limited.

Many policies provide coverage for breaches caused by vendors, subject to policy terms.

Yes. We review existing cyber policies and help align coverage with your actual operational risk.