Learn how cyber liability insurance protects your business.
Frequently Asked Questions
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What is the CyberMax Protects program?
CyberMax Protects is a cyber liability insurance program, coupled with cybersecurity services and training to help small businesses avoid cyber-attacks. The program requires zero underwriting, no lengthy applications, and no costly downpayments. Enrollment into the program is generally automatic and managed on an opt-out basis. The program provides affordable access to vital cybersecurity coverage and services at an affordable monthly rate.
Why did my program administrator enroll me in the CyberMax Protects program?
Your program administrator leveraged their buying power to secure the CyberMax Protects program on your behalf—giving you access to cyber liability insurance and essential cybersecurity services at a significantly discounted rate. Cyber threats like ransomware, phishing, and malware are real risks for businesses of all sizes. Cyber liability coverage is often expensive and difficult to obtain independently. That’s why your administrator selected a bundled solution that delivers enterprise-level protection without the hassle or high cost. The CyberMax Protects program includes everything listed on the home page for one low monthly price—helping protect your business while saving you time, money, and giving you peace of mind.
How much is the program?
Billing for the CyberMax Protects program is managed by your program administrator. Please find their contact details on the Contact Us page, above.
When will my insurance coverage become effective? When can I begin using the cybersecurity services?
Coverage and the cybersecurity services will become effective on the first of the month that program fees are paid.
When do the program benefits end?
Access to the program will end in one of two ways – either by drop-off or by opt-out. If monthly program fees are not paid, your company will drop out of the program automatically. If an opt-out form is received (linked on the homepage), you will also be removed from the program. In either case, coverage and access to the cybersecurity services will end effective the first of that month. For example, if an opt-out request is received on the 11th of a given month, your program access will end effective the 1st of that same month.
Does the program have any restrictions?
Yes, program access is limited to businesses with fewer than 300 employees, located within the continental United States. If this program is not a fit, CyberMax Protects can assist in securing a custom insurance solution for your business. Simply email service@cybermaxprotects.com, and we’ll be happy to discuss further.
Which insurance company provides coverage for this program?
Coverage for CyberMax Protects is provided by AmTrust, a top-rated, national insurance company, specializing in cyber liability insurance. AmTrust has over $2 billion in financial backing and was recently recognized by Forbes Magazine as one of America’s top private companies.
What is a Risk Purchasing Group, and who benefits from it?
Risk Purchasing Group (RPG) is comprised of a group of businesses or individuals that join together to buy insurance collectively. By pooling their resources and sharing similar risks, they can secure better coverage and lower premiums than they could individually. RPGs are typically formed to access specialized insurance, and they are governed by laws that allow them to operate across state lines.
What does cyber liability insurance cover?
Cyber liability insurance, also known as cyber insurance, is a specialized type of business insurance that protects organizations from financial losses and legal liabilities resulting from cyber incidents such as data breaches, phishing attacks, and malware, to name a few. The CyberMax Protects program bundles cyber liability coverage with valuable tools and services.
Is there a deductible?
There is a $1,000 deductible (also known as a “retention”) that would come into play for each claim. The CyberMax Protects tools and services are included with your monthly program fee and are not subject to a deductible.
What constitutes a cyber-attack?
A cyber-attack is any unauthorized attempt to access, disrupt, or steal information from a business’s computer systems or network. This can include data theft, malware infections, phishing scams, or actions that shut down operations or demand ransom.
Who is vulnerable to a cyber-attack?
Everyone is vulnerable to a cyber-attack—but some are at higher risk than others.
Cybercriminals look for the easiest point of entry, not the biggest name. Commonly vulnerable groups include:
Small and mid-sized businesses
Often targeted because they have fewer security resources, limited IT staff, and inconsistent cybersecurity practices—yet still hold valuable financial and customer data.Employees at any level
Human error is a leading cause of cyber incidents. One click on a phishing email or fake link can compromise an entire organization.Remote and hybrid workers
Home networks, personal devices, and unsecured Wi-Fi connections create additional entry points for attackers.Businesses using outdated or unpatched systems
Unpatched software and legacy systems contain known vulnerabilities that attackers actively exploit.Companies that rely heavily on email, cloud tools, or third-party vendors
The more platforms and integrations in use, the more opportunities attackers have to gain access through weak credentials or compromised partners.Organizations that believe they’re “too small” to be targeted
This false sense of security often leads to minimal protection—making these businesses especially attractive to cybercriminals.
Are there different types of cyber-attacks?
Yes, there are different types of cyber-attacks. Types of attacks include:
Trojan Horse
A Trojan Horse disguises itself as legitimate software—such as a free download, invoice, or update—to trick users into installing it. Once inside a system, it can open backdoors, steal sensitive data, or allow attackers to gain remote access without the user realizing it.Phishing
Phishing attacks use deceptive emails, texts, or websites that appear to come from trusted sources to trick people into sharing passwords, financial information, or clicking malicious links. These attacks often create a sense of urgency, making them especially effective against busy employees.Unpatched Software
Unpatched software refers to systems or applications that have not been updated with the latest security fixes. Cybercriminals actively search for these known vulnerabilities and exploit them to gain unauthorized access, deploy malware, or disrupt business operations.Malware
Malware is a broad category of malicious software designed to damage systems, steal data, or disrupt operations. This includes viruses, ransomware, spyware, and worms, and it is often delivered through infected email attachments, compromised websites, or unsafe downloads.
How do I know if my small business is being targeted?
According to the Identity Theft Resource Center, 81% of small businesses reported a cyberattack, data breach, or both in 2025. It is always best to assume your business is being targeted and to plan accordingly.
Do you offer an upgraded level of coverage?
I already have a cyber liability insurance policy, how do I opt-out of CyberMax Protects?
To opt-out of the CyberMax Protects program, please select the Home button from the navigation bar above, scroll to the bottom of the page and select the “Opt-Out of the CyberMax Protects Program” button.
Please note that enrollment and participation in the CyberMax Protects program are on a per-entity basis. If you represent multiple entities, you must submit separate opt-out requests for each FEIN you wish to have removed from the program.
I still have questions, who do I contact?
We’d love to hear from you! Please feel free to give us a call at (888) 558-2629 or email us at service@cybermaxprotects.com.
This content is provided for general informational purposes only. Coverage is subject to all policy terms, conditions, limitations, and exclusions.
What is the CyberMax Protects program?
CyberMax Protects is a cyber liability insurance program, coupled with cybersecurity services and training to help small businesses avoid cyber-attacks. The program requires zero underwriting, no lengthy applications, and no costly downpayments. Enrollment into the program is generally automatic and managed on an opt-out basis. The program provides affordable access to vital cybersecurity coverage and services at an affordable monthly rate.
Does the program have any restrictions?
Yes, program access is limited to businesses with fewer than 300 employees, located within the continental United States. If this program is not a fit, CyberMax Protects can assist in securing a custom insurance solution for your business. Simply email service@cybermaxprotects.com, and we’ll be happy to discuss further.
What is a Risk Purchasing Group, and who benefits from it?
Risk Purchasing Group (RPG) is comprised of a group of businesses or individuals that join together to buy insurance collectively. By pooling their resources and sharing similar risks, they can secure better coverage and lower premiums than they could individually. RPGs are typically formed to access specialized insurance, and they are governed by laws that allow them to operate across state lines.
I already have a cyber liability insurance policy, how do I opt-out of CyberMax Protects?
To opt-out of the CyberMax Protects program, please select the Home button from the navigation bar above, scroll to the bottom of the page and select the “Opt-Out of the CyberMax Protects Program” button.
Please note that enrollment and participation in the CyberMax Protects program are on a per-entity basis. If you represent multiple entities, you must submit separate opt-out requests for each FEIN you wish to have removed from the program.
I still have questions, who do I contact?
We’d love to hear from you! Please feel free to give us a call at (888) 558-2629 or email us at service@cybermaxprotects.com.
Why did my program administrator enroll me in the CyberMax Protects program?
Your program administrator leveraged their buying power to secure the CyberMax Protects program on your behalf—giving you access to cyber liability insurance and essential cybersecurity services at a significantly discounted rate. Cyber threats like ransomware, phishing, and malware are real risks for businesses of all sizes. Cyber liability coverage is often expensive and difficult to obtain independently. That’s why your administrator selected a bundled solution that delivers enterprise-level protection without the hassle or high cost. The CyberMax Protects program includes everything listed on the home page for one low monthly price—helping protect your business while saving you time, money, and giving you peace of mind.
Do I need to opt out each of my entities separately from the CyberMax Protects program?
Yes. Each business entity is identified by its unique Federal Employer Identification Number (FEIN), and participation in the CyberMax Protects program is tracked accordingly. If you represent multiple entities, you must submit a separate opt-out request for each FEIN to ensure they are individually removed from the program.
How much is the program?
Billing for the CyberMax Protects program is managed by your program administrator. Please find their contact details on the Contact Us page, above.
Is there a deductible?
There is a $1,000 deductible (also known as a “retention”) that would come into play for each claim. The CyberMax Protects tools and services are included with your monthly program fee and are not subject to a deductible.
When will my insurance coverage become effective? When can I begin using the cybersecurity services?
Coverage and the cybersecurity services will become effective on the first of the month that program fees are paid.
When do the program benefits end?
Access to the program will end in one of two ways – either by drop-off or by opt-out. If monthly program fees are not paid, your company will drop out of the program automatically. If an opt-out form is received (linked on the homepage), you will also be removed from the program. In either case, coverage and access to the cybersecurity services will end effective the first of that month. For example, if an opt-out request is received on the 11th of a given month, your program access will end effective the 1st of that same month.
Which insurance company provides coverage for this program?
Coverage for CyberMax Protects is provided by AmTrust, a top-rated, national insurance company, specializing in cyber liability insurance. AmTrust has over $2 billion in financial backing and was recently recognized by Forbes Magazine as one of America’s top private companies.
What does cyber liability insurance cover?
Cyber liability insurance, also known as cyber insurance, is a specialized type of business insurance that protects organizations from financial losses and legal liabilities resulting from cyber incidents such as data breaches, phishing attacks, and malware, to name a few. The CyberMax Protects program bundles cyber liability coverage with valuable tools and services.
How does cyber insurance coverage work?
Cybersecurity insurance coverage includes the loss of sensitive information through a data breach after your company has permitted or failed to stop unsanctioned user access to your company network. Cyber insurance covers notification costs, litigation costs, fines and penalties.
Do you offer an upgraded level of coverage?
What constitutes a cyber-attack?
A cyber-attack is any unauthorized attempt to access, disrupt, or steal information from a business’s computer systems or network. This can include data theft, malware infections, phishing scams, or actions that shut down operations or demand ransom.
Who is vulnerable to a cyber-attack?
Everyone is vulnerable to a cyber-attack—but some are at higher risk than others.
Cybercriminals look for the easiest point of entry, not the biggest name. Commonly vulnerable groups include:
Small and mid-sized businesses
Often targeted because they have fewer security resources, limited IT staff, and inconsistent cybersecurity practices—yet still hold valuable financial and customer data.Employees at any level
Human error is a leading cause of cyber incidents. One click on a phishing email or fake link can compromise an entire organization.Remote and hybrid workers
Home networks, personal devices, and unsecured Wi-Fi connections create additional entry points for attackers.Businesses using outdated or unpatched systems
Unpatched software and legacy systems contain known vulnerabilities that attackers actively exploit.Companies that rely heavily on email, cloud tools, or third-party vendors
The more platforms and integrations in use, the more opportunities attackers have to gain access through weak credentials or compromised partners.Organizations that believe they’re “too small” to be targeted
This false sense of security often leads to minimal protection—making these businesses especially attractive to cybercriminals.
Are there different types of cyber-attacks?
Yes, there are different types of cyber-attacks. Types of attacks include:
Trojan Horse
A Trojan Horse disguises itself as legitimate software—such as a free download, invoice, or update—to trick users into installing it. Once inside a system, it can open backdoors, steal sensitive data, or allow attackers to gain remote access without the user realizing it.Phishing
Phishing attacks use deceptive emails, texts, or websites that appear to come from trusted sources to trick people into sharing passwords, financial information, or clicking malicious links. These attacks often create a sense of urgency, making them especially effective against busy employees.Unpatched Software
Unpatched software refers to systems or applications that have not been updated with the latest security fixes. Cybercriminals actively search for these known vulnerabilities and exploit them to gain unauthorized access, deploy malware, or disrupt business operations.Malware
Malware is a broad category of malicious software designed to damage systems, steal data, or disrupt operations. This includes viruses, ransomware, spyware, and worms, and it is often delivered through infected email attachments, compromised websites, or unsafe downloads.
How do I know if my small business is being targeted?
According to the Identity Theft Resource Center, 81% of small businesses reported a cyberattack, data breach, or both in 2025. It is always best to assume your business is being targeted and to plan accordingly.