Protect Your Energy Business Before a Cyberattack Costs You Everything
Cyber Insurance Group builds cyber liability coverage around the real risks energy and utility companies face, not a generic policy. Licensed in 28 states, backed by 12+ A-rated carriers.
Compare your business across 12+ A-rated carriers in about 4 minutes, free and with no obligation. Your submission goes to a licensed agent who works cyber liability every day.
Technology Moved Faster Than Your Coverage Did
Most energy and utility companies we talk to haven’t thought about cyber risk until something already went wrong, or almost did.
You store customer data (names, payment info, maybe health records) and you’re not sure what your real exposure is if it’s breached.
You accept online payments or run point-of-sale systems, but have never confirmed whether a payment compromise is actually covered.
You’ve never been walked through what a ransomware attack would actually cost you in downtime, recovery, and lost business.
Your current policy, if you have one, was written before remote logins, cloud tools, and phishing emails became part of daily business.
We shop your coverage with A-rated carriers like
A Sector Split Between Heavy Regulation and None at All
Energy is two industries wearing one name. A small number of entities operate the bulk electric system or TSA-designated critical pipelines and are subject to mandatory federal cybersecurity requirements, including the security directives TSA issued for critical pipeline owners and operators. The far larger number of solar installers, EV charging operators, energy brokers, fuel distributors and oilfield service companies are subject to none of it.
The problem is that the second group connects to the first. Unregulated businesses install, monitor, bill for and remotely service equipment that sits inside regulated environments, which is why requirements increasingly arrive through customer contracts rather than through a regulator. Being outside the rules does not mean being outside the expectations.
The operational risk is also different from an office business. Equipment in this sector is built for availability over decades rather than for defense, remote monitoring is the commercial model rather than a convenience, and an incident can produce physical and environmental consequences that most cyber policies were never drafted to address. That makes the question of how a wording treats resulting physical damage more important here than the headline limit.
Our Comprehensive List of Cyber Coverage Operations
Don’t leave your organization’s security to chance. Explore our comprehensive list of coverage operations.
First-Party Coverage
If your systems go down or your data is stolen, this pays to get you back up and running, covering data recovery, lost income during downtime, and extortion demands, not just the IT bill.
See What’s CoveredThird-Party Coverage
If someone sues you because their data was exposed through your business, this covers your legal defense, regulatory fines, and settlement costs instead of coming out of your own pocket.
See What’s CoveredAdditional Coverages
Round out your policy with crisis PR support, breach-prep services, and employee security training, the pieces that keep a bad day from becoming a bad year.
See What’s CoveredThe Cyber Insurance Group Match
Our named process for finding the right coverage for your energy & utilities business, fast and without the guesswork.
Tell us about your business
We ask what data you handle, what systems you run, and where your actual exposure lives before we talk price.
We match you across carriers
We compare options across 12+ A-rated carriers and explain the differences in limits, exclusions, and deductibles.
You’re protected
Nothing is bound until you approve. Once covered, we track renewals and revisit coverage as your business grows.
The Rules That Reach Energy & Utilities Businesses
Most of this sector is not federally regulated for cybersecurity, and almost all of it connects to the part that is.
What This Means for Your Business
Entities operating the bulk electric system or TSA-designated critical pipelines face mandatory federal cybersecurity requirements, including security directives issued by TSA for critical pipeline owners and operators. Solar installers, EV charging operators, energy brokers, fuel distributors and oilfield service companies generally face none of them directly, and meet those expectations through customer contracts instead Source.
Real Licenses, Not a Marketing Claim
Cyber Insurance Group is a brand of The Allen Thomas Group, independent since 2003 and holding active insurance licenses in all 28 states we serve. No single insurer signs our paychecks. With 12+ A-rated carriers to choose from, our job is matching your business to the coverage that actually wants it.
Carriers we work with include Chubb, Travelers, The Hartford, Liberty Mutual, Nationwide, Progressive, Cincinnati Insurance, Auto-Owners, AmTrust, and Western Reserve Group. Not every carrier writes in every state.
See our full state-by-state license numbers, or meet the team behind the site.
Before You Decide
The objections we actually hear from business owners, answered straight.
Are energy businesses subject to federal cybersecurity rules?
Some are and most are not, and the split is the defining fact about this sector. Entities operating the bulk electric system or TSA-designated critical pipelines face mandatory requirements. Solar installers, EV charging operators, energy brokers, fuel distributors and oilfield service companies generally do not.
If we are not regulated, why do our customers ask about security?
Because their regulator asks them. A utility or pipeline operator subject to mandatory requirements satisfies part of them by pushing obligations onto the vendors it buys from, which is how security terms, audit rights and notification windows arrive in your contract even though no agency is writing to you directly.
How is operational technology different from our office systems?
It was designed for availability over decades, not for defense, and the consequences of interfering with it are physical. Equipment is rarely patched on a modern cycle, remote monitoring is a commercial necessity rather than a convenience, and the same engineering laptop often moves between your workshop and a customer’s live site.
Does cyber insurance cover physical damage from an attack?
Often not without a specific endorsement, and this is the question to ask first. Many cyber wordings exclude physical damage and bodily injury outright, which is precisely the scenario when an incident reaches control systems. Ask how resulting physical loss is treated and how the cyber policy sits against your property program.
Are solar and EV charging businesses really exposed?
They hold customer addresses, financing applications and payment data, and they remotely monitor equipment installed at homes and businesses. That remote access is the product, which means it is also the route in, and it persists long after the installation is finished.
What does cyber liability insurance not cover for an energy business?
It does not pay for damaged plant or equipment without specific cover, and it does not answer an environmental claim. It does not fund the segmentation work you already needed. It covers the incident response, the interruption, extortion and the liability to others.
Ready to See What You’d Pay?
Independent agents, 12+ A-rated carriers, and a licensed cyber liability specialist reviewing your submission.
No cost to get a quote. Nothing is bound until you approve.
Which Rules Actually Reach Your Business?
People assume the grid reliability standards cover everyone who touches electricity. They do not, and the gaps are where the uninsured exposure sits.
EV Charging Networks
One federal rule puts the security duty on the State that funded you and the customer data duty directly on you.
See Charging Network CoverageBrokers & Suppliers
Your customer file does not describe your customers. Held together, it can act on their utility accounts.
See Broker CoverageOilfield Services
Your worst cyber event is measured in the operator’s deferred production rather than in your own lost revenue.
See Oilfield Services CoverageSolar Installers
You keep remote access to generating equipment on thousands of roofs, and no grid reliability standard reaches you.
See Solar Installer Coverage