CyberGuard for
Contractors
Cyber coverage built to protect business income and reputation when cyber events threaten construction projects. Because ransomware doesn't care about deadlines.
"Construction is the #3 most-targeted industry for ransomware. GL excludes cyber. Builder's Risk excludes cyber. Standard cyber policies don't cover missed bids, liquidated damages, or jobsite equipment. That gap is where contractor losses actually land."
Source: MEED — "Construction is third most targeted sector by ransomware"
The Gaps Standard Policies
Leave Behind
GL and Builder's Risk weren't built for ransomware. Construction firms face cyber exposures that traditional coverage simply doesn't address.
Ransomware Stops Projects Cold
A system lockout halts access to job sites, schedules, and payroll. Work stops, costs accrue, and project timelines collapse — with no coverage under GL or Builder's Risk.
Vendor Breach Triggers Downstream Loss
A cyber attack on a supplier or subcontractor can delay materials, disrupt coordination, and push projects past contractual deadlines — leaving the insured exposed.
System Outages Kill Bids and Contracts
When estimating or scheduling software goes down, firms can't submit bids or manage active projects. Missed opportunities and contract penalties follow.
4 Proprietary Endorsements
Exclusive to CyberGuard
CyberGuard fills every gap listed above. These four endorsements do not exist in any other cyber policy on the market — built specifically for construction exposures no standard form addresses.
Missed Bid
Lost profit from bids the insured couldn't submit during a system outage. Sublimits scale with revenue — up to $250K. Written like we meant it — no games on the form.
Delay in Completion
If a cyber event pushes a project past its contractual deadline, this picks up extended equipment rental, site costs, and liquidated damages. Two days down — two days covered. No other cyber market offers meaningful Delay in Completion coverage.
Property Damage Exception
Standard cyber policies explicitly exclude physical damage. On a jobsite you have GPS-guided machinery, crane controls, SCADA, IoT sensors. When a cyber event bricks that equipment, we carve the exception. The gap that leaves every other contractor unprotected.
Blanket Additional Insured
GCs are requiring cyber as a contract term the same way they've required GL for decades. Our AI endorsement is blanket — as required by contract — and carves out the Insured-vs-Insured exclusion so inter-project cyber claims actually respond.
Full Coverage Suite
The complete standard cyber checklist — underwritten on Mosaic's form.
Breach Response
Forensics, legal counsel, notification services, credit monitoring. Panel activates within hours.
Cyber Extortion
Ransom demands, negotiation support, and full recovery costs.
Business Interruption
Lost income and extra expenses during system downtime.
Contingent BI
Coverage when a critical vendor or client system goes down.
Cybercrime / Social Engineering
Wire fraud, invoice manipulation, and impersonation scams.
Tech E&O / Privacy Liability
Security & privacy liability, regulatory proceedings, PCI fines, media liability.
Value-Added Legal Service
Every CyberGuard policyholder receives a complimentary legal memorandum from Saxe Doernberger & Vita, P.C. (SDV) — included with the policy at no additional cost. No other cyber program on the market includes this.
Think of it as the seatbelt to the policy's airbag. The policy responds after the incident; SDV helps shape the contracts before it.
Legal Memorandum
Written legal advice on strategies to limit the insured's liability for cyber-related exposures to the limits of their CyberGuard policy. Delivered within three business days of enrollment. Tailored to the insured's specific coverage — not a generic brochure.
Preferred Legal Services
CyberGuard insureds receive access to discounted legal services from SDV, including implementation of limitation of liability provisions in the insured's contracts and comprehensive review and revision of insurance and risk transfer terms.
What Happens When It Matters
Claims are handled directly, not through a TPA two steps removed from the paper. One 24/7 hotline. Breach counsel engaged within hours.
24/7/365 Crisis Hotline
Pre-Vetted Expert Panel
Forensics: CrowdStrike, Kroll, Arctic Wolf, Arete, Stroz Friedberg
Breach Counsel: Constangy Brooks, McDonald Hopkins, Pierson Ferdinand, Mullen Coughlin
Notification: Epiq, Experian, TransUnion
Extortion: Cypfer, S-RM
PR: FTI Consulting
Straight Answers to the Questions Brokers Ask Most
Still have questions? Reach out directly at partner@configrisk.com
We Make It Easy.
STP risks up to $150M — instant quote, rate, bind. Manual referral for GCs $150M–$5B+.
Submit
Name, revenue, location, SIC/NAICS, security controls. That's it for STP risks under $150M.
Quote Instantly
Digital-first. No paper. No back-and-forth. Instant for STP; prompt turnaround for referrals.
Bind & Deliver Value
Client is covered immediately with access to SDV Law's legal memorandum and the Cybersecurity Vendor Panel.
Partner & Broker Support
ConfigRisk Group LLC — Licensed Surplus Lines Broker | All policies placed on Lloyd's Syndicate 1609 paper via Mosaic Insurance | AM Best A+ (Superior)