Take note that your typical liability coverage will not cover the costs associated with cyber-attacks or malware/viruses. For this, you’ll need to purchase a comprehensive technology insurance policy for your business. This should financially protect your business in the event of a data breach and the like.
Needless to say, you should purchase technology insurance for small business owners from respected agencies like InsureYourCompany.com. Similarly, you should make sure that the insurance policy you purchase provides coverage for the most common risks your business faces.