The stars align, a touch of hay fever, the wind takes down a tree, and a press release from biBerk Business Insurance highlights the need for lawn care companies to have several types of coverage, including cyber insurance. In 2025, cybercrime knows no bounds. Whether you’re running an e-commerce brand, a law office, or a landscaping company, your business is exposed to digital threats every single day and small business cybersecurity is a matter to take seriously.
Take a lawn care business, for example. At first glance, it seems like the last type of company that would need cyber insurance. You’re not processing huge online transactions or storing medical data. You’re trimming hedges, maintaining gardens, and managing crews. However, even this hands-on business model utilizes digital tools to schedule appointments, send invoices, manage customer lists, and store payment information.
Now imagine this: a cybercriminal hacks your email and sends a fake invoice to your customers, or your client list with addresses and credit card info is leaked after a system breach. Suddenly, you’re liable for financial damages, potential lawsuits, and reputational harm.
That’s where cyber insurance steps in.
Let’s break down the top 5 reasons why every small business, even a lawn care company, needs cyber insurance today.
1. Small Businesses Are Prime Targets for Cyberattacks
Most people assume hackers go after massive corporations. However, recent data shows the opposite: in 2019 43% of cyberattacks target small businesses. A similar study for 2021 saw that number at 61% for SMBs. And another study looking at 2023 found 41% of small businesses sufferred a cyber attack. Why? Because they often have fewer cybersecurity defenses in place.
Lawn care companies, local bakeries, or solo consultants usually don’t invest in IT departments or cybersecurity training. That makes them easy prey for hackers using phishing emails, malware, or ransomware.
If your business uses email, stores client data, or accepts digital payments you’re at risk.
2. A Single Data Breach Can Cripple Your Finances
A minor cybercrime incident can lead to massive costs, including:
- Customer notification and credit monitoring
- Legal fees and settlements
- Regulatory fines for failing to secure personal data
- Downtime that affects your revenue
According to Verizon’s 2024 Data Breach Report, the average cost of an incident for a small business ranged from $120,000 to $1.24 million.
3. Cyber Insurance Helps You Bounce Back Faster
Cyberattacks can disrupt operations for days or weeks. You might lose access to important files, be forced to halt online transactions, or even shut down temporarily.
A good cyber insurance policy offers:
- Business interruption coverage (compensates for lost income)
- IT forensic investigation services
- Public relations support to restore your reputation
This support helps you recover quickly and professionally, minimizing damage to your operations and brand image.
4. It Builds Trust With Customers and Clients
Trust is currency in today’s market. Clients want to know their information is safe with you. By having cyber insurance, and telling customers you have it, you send a strong message: “We take data protection seriously.”
For industries like landscaping, where customer relationships are personal and local, a breach can hurt your community reputation. Insurance helps you respond proactively, offering credit monitoring and compensation when needed.
5. Cyber Insurance Is Affordable and Scalable
Many small businesses hesitate to get cyber insurance because they assume it’s expensive. But that’s not the case.
Policies can cost as little as $300–$1,000 annually, depending on your risk level, data storage practices, and industry. For less than a dollar a day, you get peace of mind that could save you thousands, or your entire business, down the road.
Even better, cyber insurance policies are scalable. You can start small and expand coverage as your business and data grow.
The Bottom Line: Every Small Business Needs Digital Armor
Whether you’re mowing lawns or managing an online storefront, your business is connected, and that means it’s vulnerable. Cybercrime is evolving rapidly, and small businesses are no longer immune to scrutiny.
Cyber insurance is no longer optional. It’s essential.
Begin by reviewing your current digital operations, assessing where you store client data, and consulting with an insurance expert to determine the best cyber liability policies for your needs.
If a lawn care company can be targeted by hackers and become the victim of a cybercrime, so can yours. Take the steps to keep you business standing in the face of these digital threats, and that includes resources to get it back up and running when an attack occurs.
FAQs: Cyber Insurance for Small Businesses
1. What does cyber insurance typically cover?
It covers cybercrime like data breaches, ransomware, legal fees, business interruption, IT recovery, and PR/crisis communication.
2. How do I know if my business is at risk?
If you use email, accept payments, store customer data, or run any digital system, you’re at risk.
3. Is cyber insurance legally required?
No, but it’s highly recommended. Some industries and contracts may require it for compliance.
4. Can I bundle cyber insurance with other policies?
Yes. Many insurers offer cyber coverage as an add-on to general liability or business owner’s policies (BOP).
5. Does it cover third-party vendors?
Some policies include coverage for third-party vendors, especially if a breach originates from your software or IT partners.
Other News: HSB Launches “Cyber for Auto” Insurance to Protect Against Vehicle Cyber Threats(Opens in a new browser tab)
