Cyber Insurance in Texas
TDPSA- and CUBI-ready cyber coverage for Texas energy, healthcare, tech, and e-commerce operators — Patrick reviews contracts, vendor exposure, and ransomware terms before binding.
Takes ~2 minutes · We review your data profile · Coverage matched to your risk
“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”
— Jessica K., Google Review
“Helped me get the right coverage for my business and made everything super easy to understand. Bobby was especially great — very friendly, responsive, and genuinely cared about making sure I was taken care of.”
— Michael O., Google Review
“He takes the time to understand your business needs before recommending coverage. You can tell he genuinely cares about his clients and goes the extra mile to make sure everything is handled properly.”
— Jen K., Google Review
“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”
— Jessica K., Google Review
The pre-bind review caught a ransomware sub-limit and a missing social engineering endorsement in our existing policy. Patrick walked our whole leadership team through the gaps on video before we committed.
— Cyber client, Texas
Texas businesses handling customer data, health records, or payment data face real regulatory and liability exposure. Your GL policy does not cover cyber events. If you haven't had a dedicated cyber policy reviewed recently, there are almost certainly gaps.
Texas Cyber Risk Snapshot
Key data points that shape how we quote cyber insurance in Texas.
TDPSA per-violation penalty
Up to $7,500
Texas AG can seek up to $7,500 per violation under the Texas Data Privacy and Security Act.
CUBI per-violation penalty
Up to $25,000
Texas's biometric statute (CUBI) allows civil penalties up to $25,000 per violation, enforced by the Texas AG.
Notification window
60 days
Texas requires breach notification without unreasonable delay and no later than 60 days after determination.
What We Review Before Quoting Cyber in Texas
Cyber is not a commodity. Policy language, warranties, and endorsements vary enormously. We review your data profile before matching you to a market.
Cyber Coverage in Texas
A complete cyber program combines first-party response and third-party liability. Here's how we build it for Texas healthcare, e-commerce, and tech businesses.
Data Breach Response
Forensics, breach counsel, notification, call center, and credit monitoring. Texas AG notification is triggered at 250+ affected residents.
- ✓Forensic investigation to determine scope and root cause
- ✓Breach coach and privacy counsel retention
- ✓Notification letters, call center, credit monitoring
Cyber Extortion & Ransomware
Ransom negotiation, decryption, forensics, and restoration. Texas healthcare, energy, and municipal operators face significant ransomware exposure.
- ✓Ransom negotiation with specialized firms
- ✓Decryption key purchase (where legally permissible)
- ✓System restoration and data recovery
Business Interruption (Cyber)
Lost income and extra expense when cyber events shut down operations. Critical for Texas SaaS, e-commerce, and energy operators where uptime is revenue.
- ✓Lost revenue during system outage
- ✓Extra expense to restore operations quickly
- ✓Waiting period / retention specific to cyber events
Network Security Liability
Third-party liability when your network harms others — customers, partners, and downstream parties impacted by a breach originating in your environment.
- ✓Third-party claims from compromised customer data
- ✓Vendor and partner downstream liability
- ✓Malware transmission claims
Privacy Liability
Liability arising from unauthorized collection, use, or disclosure of personal data — including TDPSA, CUBI, HIPAA, and common-law privacy claims.
- ✓TDPSA / CUBI / HIPAA violation defense
- ✓Class-action claim defense
- ✓Regulatory investigation response
Regulatory Defense & Penalties
Legal defense and (where insurable) civil penalties from Texas AG, HHS OCR, and FTC actions. Texas insurability of penalties varies by statute.
- ✓Texas AG investigations (TDPSA / CUBI)
- ✓HIPAA / OCR investigations for healthcare
- ✓FTC and state-consumer-protection inquiries
The Cyber Insurance Landscape in Texas
Texas's economy spans energy in Houston, tech and semiconductors in Austin, fintech and headquarters functions in Dallas–Fort Worth, and a growing biotech/healthcare base statewide. Austin has become a major national tech hub, while Dallas anchors one of the largest concentrations of Fortune 500 headquarters in the US. Each of these sectors carries distinct cyber exposure — from ICS/OT risk in energy to consumer PII at scale in tech and retail. Texas healthcare systems in Houston, Dallas, and San Antonio process enormous volumes of PHI, and Texas is one of the most active states for BEC and wire-fraud losses in real estate, oil-and-gas land work, and construction. The state's e-commerce and logistics sectors add further attack surface.
Texas Privacy & Breach Notification Laws
The Texas Data Privacy and Security Act (TDPSA), effective July 2024, gives Texas consumers rights to access, correct, delete, and port personal data and to opt out of targeted advertising, sale, and profiling. It applies to businesses conducting business in Texas or producing products/services consumed by Texas residents that process or sell personal data (with a narrow small-business exemption tied to SBA definitions). The Texas Attorney General enforces the law with civil penalties up to $7,500 per violation. Texas also has the Capture or Use of Biometric Identifier (CUBI) statute governing fingerprints, voiceprints, face geometry, and similar biometrics, with penalties up to $25,000 per violation enforceable by the Texas AG. Texas's breach notification statute requires notification without unreasonable delay and no later than 60 days after determination, with AG notification required if 250+ Texans are affected.
Most Common Cyber Threats Affecting Texas Businesses
Ransomware targeting Texas healthcare, municipalities, and school districts generates the largest single-event losses. BEC and wire fraud in Texas real estate, title, oil-and-gas, and construction regularly exceed six figures per event. Vendor and SaaS supply-chain breaches cascade through Texas B2B stacks. Credential stuffing and Magecart attacks against Texas DTC and retail brands remain persistent, and biometric-data exposures under CUBI have produced high-profile claims in Texas employment and consumer contexts.
Real-World Texas Cyber Scenarios
Illustrative cases showing how cyber insurance responds when incidents hit.
Houston Healthcare Ransomware
A Houston multi-specialty medical group was hit by ransomware. Attackers encrypted EHR and exfiltrated PHI. HIPAA and Texas breach notification obligations triggered simultaneously.
Case study: $2.6M total insured response including BI, forensics, and regulatory defense.
Dallas Title Company BEC
A Dallas title company received spoofed wiring instructions during a $1.4M residential closing. The wire went to an attacker-controlled account; only the social engineering endorsement responded.
Case study: $1.1M net loss before social engineering coverage; $50K with the endorsement.
Austin SaaS Vendor Breach
An Austin B2B SaaS company was breached through a compromised OAuth integration. Downstream notification obligations triggered across TDPSA and multiple state breach laws.
Case study: $950K in downstream notification and third-party liability.
What Drives Cyber Insurance Cost in Texas?
Cyber pricing depends on your data, your controls, and your regulatory exposure — not a generic premium table.
Industry & Data Sensitivity
Texas healthcare, energy, fintech, and biometric-heavy operators face the highest-tier pricing. Record sensitivity drives premium more than raw record count.
Revenue & Record Count
Texas consumer-facing operators often hold millions of Texan records, which directly drives pricing and sub-limits.
Security Controls in Place
MFA, EDR, email filtering, security training, encrypted backups, and a documented IR plan are preconditions for Texas cyber coverage.
Third-Party Vendor Exposure
Texas energy and healthcare stacks are heavy on third-party integrations and OT/ICS vendors — carriers review vendor inventory and contractual risk allocation.
Prior Incident History
5-year breach, ransomware, and BEC history affects Texas pricing, retentions, and sub-limit availability.
Regulatory Profile
TDPSA, CUBI, HIPAA, PCI-DSS, and energy-sector regulatory exposure all influence underwriting.
Want to Know Your Texas Cyber Risk Profile?
Our Risk Calculator surfaces the biggest gaps in 60 seconds — no email required.
Free Cyber Insurance Risk Calculator
Find the cyber gaps exposing your data and your revenue
Most cyber policies have sub-limits, warranty exclusions, or missing endorsements the buyer didn't know about. Take 60 seconds to check your ransomware, BI, vendor, and privacy exposures.
Did you know? Cyber claims average mid-six-figures — often six-figure out-of-pocket when coverage is misaligned
8 Cyber Policy Mistakes That Cost Texas Businesses
These are the gaps we find in almost every cyber policy review. How many apply to yours?
🔐 Does your cyber policy actually cover ransomware — or is it sub-limited and conditioned on controls you may not have?
Most carriers now sub-limit ransomware at 25%–50% of aggregate and warrant MFA, EDR, and offline backups. If your controls don't match the warranty, a claim can be denied. When was the last time your agent walked through the ransomware endorsement with you?
💸 What happens if your BEC loss is excluded because you didn't have the social engineering endorsement?
Standard crime excludes voluntary transfers based on deception. Cyber often sub-limits or excludes social engineering without a specific endorsement. BEC losses average mid-six-figures — is the endorsement in place?
⏸️ Does your business interruption trigger for cyber events, or only for physical damage?
Your standard BI almost certainly excludes cyber-triggered outages. Cyber BI has its own waiting period, retention, and dependent-system extensions. For e-commerce, SaaS, and healthcare, downtime is the biggest loss.
🔗 If your vendor breach leaks customer data, who's on the hook for notification costs?
You're typically the data owner responsible for notification, even when a vendor caused the breach. Does your policy include dependent system coverage? Have your vendor contracts allocated breach responsibility?
⚖️ Has anyone mapped your state privacy law exposures to your policy language?
CCPA, VCDPA, TDPSA, CPA, BIPA, My Health My Data, TIPA — statutes vary by state. Your privacy liability wording may or may not align with the laws that apply to your customers.
📅 Does your policy's retroactive date cover claims from incidents already in flight?
Cyber claims surface months or years after the incident. Resetting your retroactive date on renewal can strip away years of silent coverage. Most businesses never check this.
👩⚖️ What happens when your panel-counsel clause prevents you from using your preferred breach lawyer?
Many cyber policies require you to use the carrier's panel counsel when a breach hits. Panel counsel is often fine, but you should know the restriction exists before binding.
⏱️ If your cyber BI waiting period is 12+ hours, what's your actual business continuity cost?
For high-volume e-commerce or SaaS, 12 hours of downtime is already six figures of lost revenue — revenue the policy won't touch. We review waiting periods against your hourly revenue.
See How We Review Cyber Coverage
Watch Patrick walk through a real commercial policy review on video — so you know exactly what you're buying before you commit.
Bobby Friel
Partner, Direct Insurance Services
Why Texas Businesses Choose Us for Cyber
Data & Vendor Profile Review
We map your data, vendors, and regulatory exposure to policy language before quoting.
Video Coverage Walkthrough
Patrick walks through warranty language, sub-limits, and endorsements so you understand what you're buying.
Multi-Market Cyber Access
Appointed with specialty cyber carriers that write healthcare, e-commerce, and tech risk at competitive terms.
Contract & Control Review
We review MSAs, BAAs, vendor contracts, and your security controls against Texas regulatory and policy warranty requirements.
Our Cyber Carrier Partners
We compare quotes from multiple A-rated cyber carriers to find Texas businesses the right coverage and price.
Progressive
Contractor & Commercial Auto
Hippo
Commercial Property
CNA
General Liability & E&O
Chubb
High-Value Commercial
Travelers
Workers Comp & Bonds
Mutual of Omaha
Group & Specialty
Nationwide
Business Owner Policies
Openly
Landlord & Property
AIG
Excess & Surplus Lines
The Hartford
Small Business & Workers Comp
John Hancock
Life & Benefits
BBB Accredited
What Our Cyber Clients Say
“They mapped our BAAs and vendor stack against the policy warranties before quoting and caught a ransomware sub-limit that was 25% of aggregate. Our old broker never walked through the warranty language with us at all.”
Dana M.
Practice Manager, Multi-Specialty Medical Group · Phoenix, AZ
“The video review walked our leadership through every endorsement. Patrick flagged that our social engineering coverage was missing and rewrote it before bind — saved us from a six-figure BEC gap.”
Rajiv P.
CTO, SaaS Startup · Austin, TX
“Our MSA with an enterprise customer required specific cyber coverage amounts and endorsements. They read the MSA, built the policy to match, and our COI cleared the customer's security review on the first submission.”
Emily R.
VP Security, B2B SaaS · Denver, CO
Cities We Serve in Texas
We write cyber insurance for Houston, Dallas, Austin, and businesses across Texas.
Other Texas Commercial Insurance
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Learn More →Texas Cyber Insurance FAQs
Ready When You Are
We compare carriers, review your data profile, and walk you through every option for Texas cyber coverage.
Takes ~2 minutes · We review your requirements · Coverage matched to your contracts
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