Cyber insurance for Florida insurance agencies, from an agency that buys it too.
Agencies hold what attackers monetize: client PII and carrier portal credentials for an entire book. We are an Orlando agency, we carry this coverage ourselves, and we quote it for other agencies.
Why insurance agencies are buying cyber now
The push rarely comes from the IT department
Carrier agreements
Carrier appointments and aggregator agreements increasingly include data-security and insurance requirements, and a breach can put appointments at risk.
E&O underwriters
Agency E&O applications now probe cyber controls, and cyber events typically fall outside the E&O grant entirely.
FIPA, across your book
An agency management system holds personal information for every client; one incident can mean notifying your whole book inside 30 days.
What actually goes wrong
The loss patterns we quote against, and the coverages that respond
Carrier portal credential theft
Stolen producer logins let attackers harvest dec pages and PII at scale, or bind and divert business. The fallout spans carriers, clients, and regulators.
Premium redirection fraud
Spoofed payment instructions to clients or from 'carriers' divert premium and down payments; social engineering coverage responds where crime forms hesitate.
AMS and book-of-business exposure
Your AMS concentrates years of applications, claims, and financial data. Exposure means FIPA notification across the book and uncomfortable carrier conversations.
The rules a breach activates
Coverage is one half; these duties are the other
FIPA (Fla. Stat. 501.171)
The 30-day Florida clock applies to agencies as data holders, independent of any carrier duties, and DFS licensees should expect regulator interest in a public incident.
Carrier and producer agreements
Most appointment agreements impose confidentiality and data-safeguard duties; a breach can be a contract problem with your markets, not just a legal one.
Think you're already covered? Upload the policy and see.
Most GL, BOP, and professional liability policies now carry explicit cyber and electronic-data exclusions. Upload your current policy and our AI shows you, in plain English, which losses it would leave you to pay for.
This free policy check is an informational preview, not a complete coverage evaluation or a determination of how any claim would be decided. AI-generated analysis is not insurance or legal advice; always confirm coverage with your carrier or a licensed broker. Your upload is encrypted and never sold, and anonymous uploads are deleted if you don't create an account within 24 hours.
A licensed Florida agency, not a lead-generation site
Quote-comparison websites resell your contact details to multiple agents. We don't. One licensed Orlando agency quotes your cyber coverage across our markets, and your number is never sold.
Other Florida industries we quote
Cyber risk looks different in every profession. Pick yours.
Frequently asked questions
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Get a Cyber QuoteTruscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441). Coverage descriptions and legal references on this page are informational summaries, not insurance or legal advice; actual terms are governed by the issued policy, and statutes and regulations may change. Industry cost figures are attributed averages, not quotes.