Texas CYBER INSURANCE SPECIALISTS

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.

Get Cyber-Ready Coverage in Texas →

Takes ~2 minutes · We review your data profile · Coverage matched to your risk

A-Rated Cyber CarriersSecurity Controls ReviewEvery Policy Reviewed on VideoRansomware-Specific Underwriting
BBB Accredited Business Seal
A RatedBBB Accredited Business

Case Studies

Cyber Insurance Case Studies

Anonymized examples of policy reviews we've completed for cyber-exposed businesses across Texas and other states.

Abstract editorial illustration representing healthcare data security
Healthcare

A San Antonio multi-physician group with three locations across the metro and a billing administrator who got phished.

The Situation

The attacker sat inside the EHR for 11 days. PHI for 9,800 patients walked out the door. The Texas AG opened an inquiry quickly — Texas has been one of the most active state AGs on healthcare breach response over the last two years.

What We Did

Data Breach Response funded forensics, dual-track HIPAA and Texas state notification, and credit monitoring. Regulatory Defense covered the AG inquiry. Texas's Data Privacy and Security Act (Bus. & Com. Code Ch. 541) gives operators a 30-day cure period — the practice used it to demonstrate remediation before penalties triggered.

🎯 The Outcome

The AG inquiry closed without penalties. Class exposure under common-law privacy claims settled inside limits. Patients got notified on time. This is the kind of phishing-to-PHI scenario we map against your access controls and detection windows before binding.

Abstract editorial illustration representing e-commerce data protection
E-Commerce

A Dallas DTC fashion brand running a Shopify-plus-headless build with a national customer base.

The Situation

A compromised third-party JavaScript dependency on the checkout page captured payment card data for 14,000 Texas customers over a 9-day window. The Texas AG opened an investigation focused on the brand's vendor due diligence and PCI posture.

What We Did

Privacy Liability covered class defense after a negligent-data-security suit got filed. Regulatory Defense addressed the AG inquiry. Texas's TDPSA cure period under Bus. & Com. Code § 541.155 gave the brand 30 days to execute platform-side controls before the AG escalated.

🎯 The Outcome

The brand used the cure window to rebuild the dependency and document new vendor controls. The AG closed the file. The class settled inside policy limits. This is the kind of supply-chain checkout attack we map against your e-commerce stack and PCI scope before binding.

Abstract editorial illustration representing SaaS infrastructure security
Tech / SaaS

An Austin B2B SaaS provider serving small healthcare practices across Texas with cloud-hosted patient intake.

The Situation

A ransomware operator exfiltrated PHI from about 40 small client practices before deploying encryption. The SaaS company faced its own state AG inquiry plus downstream demands from every client whose patients got hit.

What We Did

Cyber Extortion funded the response and the decision not to pay (clean backups existed). Network Security Liability covered the downstream defense work for the affected clients, who each had their own HIPAA notification clocks running.

🎯 The Outcome

No ransom paid. Backups restored client environments inside 72 hours. The Texas AG inquiry under TDPSA processor obligations (Bus. & Com. Code § 541.104) closed with documented remediation. This is the kind of B2B SaaS scenario we map against your customer contracts before binding.

Bobby Friel, Partner at Direct Insurance Services

Bobby Friel

Partner, Direct Insurance Services

You're probably tired of being told Texas is different on cyber. Every cyber broker says it. Half of them mean "the Texas Data Privacy and Security Act is new, and we know about it." The other half don't even mean that much. Here's what's actually different: Texas AG enforcement on data security has been notably active in recent years. TDPSA (Bus. & Com. Code Ch. 541) doesn't allow private lawsuits — it's AG-only with a 30-day cure under § 541.155. Most operators read "AG-only" as low-stakes. That's the assumption that hurts. You assume the absence of class actions means the policy doesn't need class-defense capacity. You assume the 30-day cure protects you (it does — for the AG, not for federal regulators or your enterprise customers' MSA reviewers). You assume CUBI biometric exposure only applies to operators capturing fingerprints (it reaches facial scans, voiceprints, and behavioral biometrics). And then the AG opens an inquiry that runs 18 months testing whether your processor agreements meet the law, an enterprise customer's security review finds a gap, and suddenly you're learning what the policy actually does when the regulator is the entire exposure mode. What we do is map your customer contracts, your processor agreements, and your CUBI biometric exposure to the policy language — before binding, before an AG inquiry, before an MSA review fails. What's your current cyber policy doing for Texas AG cure-period response and CUBI biometric class defense right now?

When was the last time anyone read your cyber policy's warranty schedule against your actual security controls and vendor stack?

📝 Helpful to Have

What Helps Us Build the Right Cyber Policy For You

The more we know about your data footprint, vendor stack, security controls, and regulatory profile, the more precisely we can match coverage to your real exposure. Here's what helps — but if you don't have it all, we'll work through it together.

Current cyber policy declaration pageShows your existing limits, sub-limits, warranties, and endorsements
Active customer MSAs or BAAs with cyber clausesCyber requirements from your largest customers or healthcare partners that drive coverage minimums
Vendor and processor inventoryYour third-party SaaS, hosting, payment, marketing, and analytics vendors — the dependent systems your policy needs to reach
Security controls overviewMFA coverage, EDR deployment, email filtering, backup architecture (online + offline), incident response plan status
Annual revenue and record countRevenue tier and approximate count of personal records held — both drive carrier rating
Data classification snapshotWhat sensitive data types you actually hold (PII, PHI, payment cards, biometric, IP) and roughly how many records each
Loss runs (last 5 years)Prior cyber claims, incident history, and any open matters
Contact info to send optionsEmail and best phone for the video walkthrough
Start a Cyber Review →

We walk through these on the call — bring what you have

Coverage Lines

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.

ESSENTIAL

Data Breach Response

  • Forensic investigation to determine scope and root cause
  • Breach coach and privacy counsel retention
  • Notification letters, call center, credit monitoring

Covers the cost of investigating, containing, and notifying affected parties after a breach. Texas's breach notification statute (Tex. Bus. & Com. Code § 521.053) requires notification of TX residents without unreasonable delay; the Texas Data Privacy and Security Act (TDPSA, Tex. Bus. & Com. Code Ch. 541, effective July 1, 2024) adds controller and processor obligations on top. Coverage includes forensics, breach counsel, notification production and mailing, call center, and credit monitoring. For San Antonio and Dallas / Fort Worth healthcare networks, this integrates with HIPAA's 60-day notification clock; for Austin tech-corridor SaaS operators, with downstream multi-state customer notification clocks; for Houston energy and chemical operators, with federal critical-infrastructure expectations under CISA. Texas AG enforcement on data security has been notably active in recent years.

CRITICAL

Cyber Extortion & Ransomware

  • Ransom negotiation with specialized firms
  • Decryption key purchase (where legally permissible)
  • System restoration and data recovery

Covers ransom-payment evaluation, negotiation, forensic response, and recovery costs when threat actors deploy ransomware or extortion-based attacks. Texas's TDPSA (Tex. Bus. & Com. Code Ch. 541, effective July 1, 2024) and breach notification statute (§ 521.053) trigger when exfiltrated data is later released or threatened; the Capture or Use of Biometric Identifier Act (CUBI, Tex. Bus. & Com. Code § 503.001) adds biometric-data exposure. Coverage funds expert ransom-payment analysis (often the decision not to pay when offline backups are viable), digital forensics, decryption tooling, and operational recovery. For San Antonio healthcare, Austin tech-corridor SaaS, and Houston energy operators, this layers with HIPAA, federal critical-infrastructure expectations, and OEM- or customer-required incident-response protocols. Texas AG enforcement is among the most active nationally on data security and AI/surveillance privacy. Includes coordination with law enforcement, breach counsel, and OFAC.

OFTEN OVERLOOKED

Business Interruption (Cyber)

  • Lost revenue during system outage
  • Extra expense to restore operations quickly
  • Waiting period / retention specific to cyber events

Covers lost income and reasonable extra expense when a cyber event shuts down your operations. Most standard business-interruption policies exclude cyber-triggered outages — cyber-specific BI is essential for healthcare practices, e-commerce, and SaaS operators that lose revenue the moment systems go down. Texas's TDPSA (effective July 1, 2024) and the multi-corridor concentration — San Antonio healthcare, Austin tech and SaaS, Dallas DTC and fintech, Houston energy — mean downtime exposure cascades through HIPAA timelines, federal critical-infrastructure expectations under CISA (energy and chemical), TDPSA processor obligations, and downstream multi-state customer regimes. Coverage includes lost revenue during recovery, reasonable costs to restore operations, and BI from ransomware lockups or third-party service-provider failures. Contingent BI from processor failures is particularly material for Austin SaaS operators serving Tier 1 privacy-law-state customers.

ESSENTIAL

Network Security Liability

  • Third-party claims from compromised customer data
  • Vendor and partner downstream liability
  • Malware transmission claims

Covers third-party claims arising from a failure of your network security — including transmitted malware, unauthorized access through your systems to a customer's data, denial of customer service, and contamination of customer data. Texas's TDPSA (Tex. Bus. & Com. Code Ch. 541) imposes processor obligations under § 541.104 including written data-processing agreements with security-program standards. CUBI (§ 503.001) adds biometric-data downstream exposure when biometric services are involved. For Austin B2B SaaS providers serving multi-state regulated-customer bases, network security liability addresses downstream covered-entity, federal-customer, and registered-adviser indemnity demands. Texas AG-only enforcement under TDPSA (no private right of action, 30-day cure under § 541.155) provides remediation flexibility but customer-state private actions (CA CPRA, IL BIPA, WA MHMD) compound on every multi-state breach. Coverage includes defense costs and settlements for direct claims and downstream demands.

ESSENTIAL

Privacy Liability

  • TDPSA / CUBI / HIPAA violation defense
  • Class-action claim defense
  • Regulatory investigation response

Covers liability arising from unauthorized collection, use, or disclosure of personal data. Texas's TDPSA (Tex. Bus. & Com. Code Ch. 541, effective July 1, 2024) provides consumer rights including access, correction, deletion, portability, and opt-out from targeted advertising, sale, and profiling — with AG-only enforcement and a 30-day cure period under § 541.155. No private right of action under TDPSA. The Capture or Use of Biometric Identifier Act (CUBI, Tex. Bus. & Com. Code § 503.001) creates separate biometric-data exposure for any operator capturing fingerprints, facial scans, or other biometric identifiers. Federal frameworks layer: HIPAA for San Antonio and Houston healthcare, GLBA for financial services, FCRA for consumer reporting. Class-action exposure typically flows through customer-state private rights (e.g., CA CPRA) for multi-state Texas operators. Coverage includes defense costs and settlements for direct claims, AG inquiries, and CUBI exposure.

RECOMMENDED

Regulatory Defense & Penalties

  • Texas AG investigations (TDPSA / CUBI)
  • HIPAA / OCR investigations for healthcare
  • FTC and state-consumer-protection inquiries

Covers legal defense costs and civil penalties from Texas Attorney General investigations and enforcement actions under the Texas Data Privacy and Security Act (Tex. Bus. & Com. Code Ch. 541, effective July 1, 2024), the Texas breach notification statute (§ 521.053), and the Capture or Use of Biometric Identifier Act (CUBI, § 503.001). Texas AG enforcement on data security and AI/surveillance privacy is among the most active nationally. TDPSA enforcement carries a 30-day cure period under § 541.155 and AG-only authority — no private right of action. CUBI penalties run up to $25,000 per violation. Federal regulators add layered exposure: HHS/OCR for HIPAA, FTC § 5 for unfair-data-security claims, banking regulators for GLBA, federal critical-infrastructure agencies for Houston energy and chemical operators. Coverage funds investigative defense, settlement costs, civil penalties where permitted, and CUBI-specific exposure.

Your Texas Cyber Reality

Landscape, Laws & Live Threats

Four angles on what shapes cyber underwriting and regulatory exposure for Texas businesses.

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.

Houston Metro & Gulf Coast Energy
Dallas–Fort Worth Metroplex
Austin Tech Corridor
San Antonio (Healthcare / Military)
Texas Border & South Texas
Every Texas Region

Every Texas Region

We look at four things regardless of region: data volume, vendor stack, customer geography, and regulatory load. Your zip code is one input, not the whole picture.

Risk Calculator

Want to Know Your Texas Cyber Risk Profile?

Our Risk Calculator surfaces the biggest gaps in 60 seconds — no email required.

Cyber Risk Calculator

Check Your Texas Cyber Risk in 60 Seconds

10 questions, ~6 seconds each. Surfaces ransomware coverage gaps, vendor breach exposure, privacy law alignment, and business interruption waiting periods.

What it surfaces

Ransomware

Sub-limits, MFA warranty

Vendor breach

Dependent system coverage

Privacy law

CCPA, BIPA, statute exposure

Business interruption

Waiting periods, hourly cost

Sample question · 1 of 10~6 sec each

Does your cyber policy explicitly cover ransomware payments — and at what limit?

Yes, at full aggregate limit
Yes, but sub-limited (25–50%)
No / Not sure

Live calculator scores your answers and flags coverage gaps at the end — no email required.

Did you know? Cyber claims average mid-six-figures — often six-figure out-of-pocket when coverage is misaligned.

Check Your Risk →
FreeNo email required60 seconds10 questions

Policy Mistakes We Find

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?

1

🔐 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?

2

💸 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?

3

⏸️ 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.

4

🔗 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?

5

⚖️ 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.

6

📅 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.

7

👩‍⚖️ 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.

8

⏱️ 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.

Before You Decide

Things You're Probably Wondering

We're mid-term on our cyber policy — do we have to wait for renewal?

Not always. If there's a meaningful gap (sub-limited ransomware, missing social engineering endorsement, a regulatory exposure your wording doesn't cover, a vendor breach extension you don't have), it can be worth canceling mid-term and rewriting. We walk you through the math on whether the unearned premium refund and new policy cost make sense. If renewal's only 90 days out, usually wait. If it's 9 months out and a customer's MSA just rejected your coverage language, often worth moving now.

How fast can we have coverage in place?

Most reviews wrap in 3-7 business days from first conversation to bound coverage. The faster end of that range happens when your quote submission is thorough — current dec page, an MSA or BAA you're trying to satisfy, a vendor inventory ready upfront, and a security controls overview (MFA deployment, EDR, backup architecture). The longer end is when we're chasing details one piece at a time. For SaaS companies waiting on cyber clearance to close an enterprise contract, we work to whatever date the contract requires. We don't rush the warranty review, but we don't drag one either.

What happens when a customer pushes back on our cyber coverage during their security review?

You forward us the customer's cyber requirements and the security questionnaire. We compare what they're asking for against your policy's actual wording, push the carrier for endorsement adjustments where the gap is real, and reissue a corrected COI or send the customer a coverage breakdown that matches their schedule. Most pushback traces to one or two specific endorsement details — once you know which ones, the fix is usually fast and the contract doesn't get held up.

Get a Cyber Policy Review →
Bobby Friel, Partner at Direct Insurance Services

Bobby Friel

Partner, Direct Insurance Services

Video Walkthrough

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.

Why Us

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

We walk 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.

Future Pacing

What Happens After You Have The Right Coverage

Once your cyber policy actually matches your data footprint, vendor stack, and regulatory exposure, security reviews stop being a panic. Customer MSAs don't stall because your coverage language doesn't quite match. Your enterprise sales cycle moves faster because your insurance documentation clears compliance on first submission. Your vendor risk reviews come back clean because dependent system extension and breach notification allocation are already in your policy. And when a real cyber event hits — a vendor breach, a BEC attempt, a ransomware demand — you're not finding out at the worst moment that the warranty schedule on your policy doesn't match the controls you actually had in place.

  • Customer MSAs and BAAs clear cyber security review on first submission
  • Vendor breaches trigger clean dependent-system response with no coverage surprises
  • Ransomware sub-limits, BI waiting periods, and warranty conditions match your actual operational reality
  • Renewal review starts 90 days out with no last-minute scrambles or carrier non-renewal surprises
Get a Cyber Policy Review →
5-Star Rated on Google — Policies Serviced by Direct Insurance Services

“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

Carrier Partners

Carriers We Work With

We compare quotes from multiple A-rated cyber carriers to find Texas businesses the right coverage and price.

Travelers cyber insurance carrier logo
Chubb cyber insurance carrier logo
The Hartford cyber insurance carrier logo
Liberty Mutual cyber insurance carrier logo
AIG cyber insurance carrier logo
CNA cyber insurance carrier logo
Nationwide cyber insurance carrier logo
RLI cyber insurance carrier logo
Amwins cyber insurance carrier logo
Travelers cyber insurance carrier logo
Chubb cyber insurance carrier logo
The Hartford cyber insurance carrier logo
Liberty Mutual cyber insurance carrier logo
AIG cyber insurance carrier logo
CNA cyber insurance carrier logo
Nationwide cyber insurance carrier logo
RLI cyber insurance carrier logo
Amwins cyber insurance carrier logo

Plus additional specialty cyber carriers we're appointed with for healthcare, e-commerce, and tech-specific risk.

🗺️ Multi-Market Reach

Texas breach notification rules shape carrier appetite differently — multi-market shopping matches your cyber exposure to the right paper.

Cyber carriers underwrite state-specific breach notification timelines, state attorney general enforcement posture, and state regulatory exposure differently. We shop your specific data footprint, your vendor stack, and your incident-response posture across multiple carrier markets — so the cyber paper backing your business actually fits Texas's framework, not a generic policy bound off a multi-state template.

Real-World Cases

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.

Cross-Hub

Other Texas Commercial Insurance

We also specialize in these commercial programs for Texas businesses.

All Texas Insurance

Overview of all commercial insurance in Texas.

Learn More →

Contractor Insurance

General liability, workers' comp, and commercial auto for contractors.

Learn More →

Restaurant Insurance

Liquor liability, property, and workers' comp for food service.

Learn More →

HOA Insurance

Master policies for homeowners associations and condo boards.

Learn More →

Commercial Landlord Insurance

Property and liability coverage for commercial landlords.

Learn More →

The Complete Cyber Insurance Guide

Insurance Service 365

Want to Go Deeper?

Read the Complete Cyber Insurance Guide

A comprehensive 5,000-word guide covering the 6 core cyber policies, 8 mistakes we find in every review, state privacy law overview (CCPA, BIPA, MHMD), and a real incident case study.

  • The 6 core cyber policies — when each one triggers
  • 8 mistakes we find in nearly every cyber policy review
  • State privacy law overview (CCPA, BIPA, MHMD, more)
  • Real incident case study — start to bind
Read the Full Guide →

~5,000 words · 15 min read

Frequently Asked

Texas Cyber Insurance FAQs

TDPSA applies to most businesses conducting business in Texas or producing products/services consumed by Texas residents that process or sell personal data. A narrow small-business exemption ties to SBA definitions. Separate CUBI obligations apply if you collect biometric identifiers (fingerprints, voiceprints, face geometry) from Texans.

Texas cyber pricing depends on industry, record count, revenue, security controls, and prior incident history. Healthcare, energy, fintech, and e-commerce underwrite differently. Our Risk Calculator walks through the factors, and Patrick reviews every quote against multiple A-rated cyber carriers.

Yes, but typically with sub-limits, co-insurance, and security-control preconditions. Texas policies commonly require MFA, EDR, offline backups, and a documented IR plan. We review ransomware terms on every policy before binding.

Yes — especially for Texas title, real estate, oil-and-gas, construction, and accounting firms. Standard crime policies exclude voluntary transfers based on deception. Texas BEC losses are among the highest in the country, and the endorsement is essential.

Texas Business & Commerce Code 521 requires breach notification without unreasonable delay and no later than 60 days after determination. If 250+ Texas residents are affected, you must also notify the Texas AG. HIPAA, TDPSA, and CUBI obligations may layer on. Cyber policies fund the forensics and notification process.

Regulatory defense costs are insurable in Texas. Civil penalties may be insurable where state and federal law permit — this varies by statute. Most cyber policies cover HIPAA/OCR defense and some penalty categories; we review each policy's regulatory-defense wording against TDPSA and CUBI specifically.

The Texas Data Privacy and Security Act (Texas Business & Commerce Code Chapter 541, effective July 1, 2024) applies to businesses that conduct business in Texas or produce products/services targeting Texas residents and process or sell personal data above specific thresholds. The Texas Attorney General enforces exclusively — there's no private right of action — with civil penalties up to $7,500 per violation. TDPSA includes a 30-day cure period before the AG can bring enforcement, giving you meaningful runway if a violation notice arrives. Your cyber policy's regulatory defense coverage funds both the cure-period response and any subsequent AG enforcement action. Because TDPSA only became effective in mid-2024, many older cyber policy schedules still don't explicitly reference it — renewals quietly carrying forward old language can leave a regulatory coverage gap. We map your Texas customer footprint and data processing activities against TDPSA's framework, then verify your policy's regulatory schedule covers it before binding.

Texas Business & Commerce Code §521.053 requires breach notification "as quickly as possible," with statutory guidance specifying notice within 60 days of breach discovery. If the breach affects more than 250 Texas residents, you must also notify the Texas Attorney General within the same window. The 60-day clock includes weekends and holidays — the forensic investigation, breach counsel review, notification mailing, and call center setup all have to happen inside it. Texas has been actively enforcing notification timing; recent enforcement actions have focused on delayed notification and incomplete notice content. Your cyber policy's breach response sub-limit determines how comprehensive that response can actually be. We review the sub-limit against your record count, the Texas timeline, and your industry's typical breach footprint before binding so the policy genuinely supports a 60-day notification — not just nominally covers it.

Regulatory Snapshot

Cyber & Privacy Requirements in Texas

Below is a snapshot of the most relevant cyber and privacy requirements businesses in Texas should be aware of. This isn't legal advice — it's the regulatory exposure framework we review against during the consultative coverage check.

1

Texas Data Privacy and Security Act (TDPSA)

Effective July 2024. Applies to most businesses that process or sell personal data of Texas residents, with a narrow SBA-based small-business exemption. Confers consumer rights to access, correct, delete, port, and opt out.

2

TDPSA Civil Penalties

Texas Attorney General enforces with civil penalties up to $7,500 per violation, plus injunctive relief and recovery of investigative costs.

3

Capture or Use of Biometric Identifier (CUBI)

Texas biometric privacy statute governing fingerprints, voiceprints, face geometry, and similar identifiers. Penalties up to $25,000 per violation enforceable by the AG.

4

Texas Breach Notification (Bus. & Com. Code §521.053)

Notification required without unreasonable delay and no later than 60 days after determination. AG notice required if 250+ Texans are affected.

5

Texas Identity Theft Enforcement and Protection Act

Imposes data-security duties and notification obligations on businesses that handle personal data; AG civil action and recovery available.

6

HIPAA Security & Breach Notification Rules

Apply to covered entities and business associates; require administrative, physical, and technical safeguards plus federal notification timelines.

7

FTC Act §5 + FTC Safeguards Rule

FTC enforcement for deceptive privacy practices; financial institutions face Safeguards Rule incident-response, encryption, and risk-assessment duties.

8

PCI DSS v4.0

Payment processors must maintain network security, encryption, access controls, and incident response capabilities; warranted by most cyber carriers.

9

Vendor & Data Processor Contracting

TDPSA imposes specific processor obligations; BAAs required for healthcare; vendor agreements must allocate breach-notification responsibility and indemnification.

Next Step

Not sure which of these apply to your business?

We map your data footprint, vendor stack, and customer geography against current regulatory exposure during the consultative coverage check — before quoting, before binding. So you know which of these frameworks affect your real exposure, and which don't.

Local

Cities We Serve in Texas

We write cyber insurance for Houston, Dallas, Austin, and businesses across Texas.

Houston, TXDallas, TXAustin, TXSan Antonio, TXFort Worth, TXEl Paso, TXArlington, TXPlano, TXCorpus Christi, TXLubbock, TX

National Footprint

Cyber Insurance in All 29 Cyber States

We write cyber insurance across 29 states. Select a state to learn about local privacy regulations, breach notification windows, and coverage options.

ArizonaCaliforniaColoradoDelawareGeorgiaIdahoIllinoisIowaMarylandMichiganMinnesotaMissouriMontanaNevadaNew JerseyNorth CarolinaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaWashingtonWisconsinWyoming

Nearby

Cyber Insurance in Nearby States

We write cyber insurance across 29 states. Explore coverage in nearby states where we're licensed.

TexasOklahomaColoradoArizona
Two professionals in modern business setting reviewing cyber coverage documents

Ready When You Are

Ready When You Are

We compare carriers, review your data profile, and walk you through every option for Texas cyber coverage.

Get a Cyber Policy Review →

Takes ~2 minutes · We review your requirements · Coverage matched to your contracts