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Cyber Liability

Cyber Liability insurance for the hospitality industry is available for a wide range of franchised or independently operated luxury full-service and limited-service hotels, motels, hotel/motel gaming casinos, and restaurants.



  • Limits of $1 million available with higher limits upon request
  • Retention as low as $5,000
  • Coverage provided by Beazley, considered the industry leader in Cyber Liability coverage
  • Competitive pricing with premiums as low as $440
  • No shared limits
  • Easy application and quoting process


  • Available in all 50 states
  • Coverage available for Limited Service Hotels, Full Service Hotels, Resorts, and Casinos


  • Coverage includes first-party and third-party Cyber Liability
  • Beazley’s Cyber Breach Response services included for all policy holders
  • Notification Expense covered outside the limit of liability
  • Business Income and Cyber Extortion coverage available


  • Beazley, a Lloyd's syndicate

The coverage information outlined above is a guideline only. Please refer to the actual policy for full terms, conditions, exclusions, and limitations. In the event of a conflict between the above information and the actual policy, the policy will control. 


To get a quote:

Download our application and email completed form to your sales executive. Find your sales executive.

Please include the Named Insured and Effective Date in your e-mail subject line.

Your risk will immediately be reviewed for accuracy and eligibility, at which time you will be contacted by a representative from Distinguished Programs.


We’re all familiar with the high-profile data breaches that have occurred over the last several years in the hospitality industry – from the largest breach that put at risk the personal information (data, such as name, mailing address, phone number, email address, passport number, account information, date of birth, etc.) of 500 million hotel guests during a four-year period, to a breach that impacted multiple hotels because of an attack on a third-party reservation system. More than a dozen high-profile data breaches have been reported by hotels and resorts from 2010-2018, affecting everything from major multinational corporations to single properties.

Cyber attacks against the hospitality sector come from various sources using different methodologies to gain access to information that can be used for profit. Hackers can gain access through vulnerabilities in web frameworks, Internet browsers, or Internet infrastructure such as routers and modems. Hackers also increasingly use malware and phishing techniques to steal data. Ransomware, which has become quite popular, allows cyber criminals to use deceptive methods to infiltrate computer systems, encrypt data and demand money to release files. In addition, industry-specific challenges like high employee turnover continue to expose the hospitality industry to potential cyber attacks.

To effectively mitigate cyber risks and manage the fallout from an attack, the industry needs to take a more proactive, sophisticated approach to cyber security. It needs to be able to successfully recognize adversary methodology before attacks occur and have strong incident response tactics in place in order to be able to provide true security to vulnerable, critical networks. In addition, a responsive Cyber Liability insurance program specifically designed for the hospitality industry will help an insured navigate a breach and provide the financial support to mitigate its risk. According to the Ponemon Institute’s 2018 Cost of a Data Breach Study, the average total cost of a data breach is pegged at $3.86 million, or $148 per stolen record. Cyber insurance is designed to help with these costs.

Cyber Liability insurance for hotels and resorts, casinos and restaurants provides assistance with the following:

  • Identifying that a breach indeed occurred by providing a breach response team as part of the services included in the Cyber policy. These experts can diagnose an insured’s system, investigate and provide swift action to rectify the situation. Forensic experts are an integral part of the team that will pinpoint what caused the breach and guide the insured as to how to remedy it. They will investigate the client’s firewall, secure data, perform data recovery, evaluate data backup plans, rebuild the network and advise on best next steps.
  • If a breach has impacted customers, the insured must follow federal and state requirements to notify all of those potentially affected. A Cyber policy can be designed to help an insured navigate the complex maze of government and regulatory notification rules. Additionally, Cyber Liability insurance can be designed to provide a call center staffed with experts who know how to properly manage the notification process.
  • When a breach occurs at a hotel, resort, casino or restaurant, the PR fallout can be significant, impacting the insured’s reputation, shareholder confidence and revenue. Cyber insurance can provide a client with a public relations firm to support the organization’s recovery by managing the messages disseminated to the public. Services include crisis communication planning, delivery, monitoring and follow-up.

In reviewing Cyber insurance with your hospitality clients, go over the various coverages that are available. This includes first-party insurance to cover breaches and the risks to the organization’s data; the cost to get the system secure after a breach; notification costs; PR and crisis management costs; and Business Interruption insurance for when an organization experiences a loss of income as the direct result of a system failure or impairment due to a failure of network security. Third-party coverages include the fees for hiring an attorney to defend against lawsuits, legal settlements or judgments resulting from the breach, the costs of responding to regulatory inquiries, and government fines and penalties.

Cyber insurance policies may also come with risk management services to help insureds and their employees learn how to prevent data breaches, identify (and avoid) phishing emails, and avert common security pitfalls. 

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