areena gIndian businesses are losing over ₹1,300 crore every month to cyber fraud, yet most continue to operate under policies that do not cover digital risks at all.
In 2025, Indian cybercrime losses reached over ₹8,500 crore in just six months, demonstrating just how unprepared companies are to deal with cyber risk.
Many businesses still believe that General Liability will protect them from ransomware attacks, data theft, or reputational loss.
This guide will explain the differences between Cyber Insurance and General Liability Insurance, what is actually covered by each, and why businesses in 2026 will need both to avoid the risk of losing multiple crores in claims that no insurers currently cover.
Mitigata: India’s Trusted Partner for Cyber & CGL Insurance
800+ companies across 25+ industries choose Mitigata as a partner that doesn’t just sell policies but becomes their reliable partner when risks strike.
We provide policies that are built on industry-specific insights, supported by a dedicated team, and strengthened through partnerships with India’s most respected insurers, such as HDFC ERGO, ICICI Lombard, IFFCO Tokio, and several others.
What Mitigata offers you?
Best Market Prices
You receive competitive premiums without sacrificing coverage quality.
Industry-specific Policies
We study the specific exposures in your sector and recommend suitable coverage.
Fast Claim Process
When something goes wrong, our team moves quickly to resolve it.
24/7 Expert Support
Our support team is available whenever you need help with guidance at any time.
Trusted Partnerships with Leading Insurers
Our alliances with top insurer names give you stronger coverage options at the best rates.
Cyber Risk Insurance Policy Starting at Just ₹95,000/ Year*
With Mitigata, you get the best market pricing, fast claims and proactive defence through our free cyber risk console.
What Is Cyber Insurance?
Cyber Insurance protects a company from financial damages caused by cyberattacks, data breaches, ransomware and related downtime.
Since businesses are now dealing with many terabytes of digital data, a single lapse in cybersecurity could lead to financial, legal, and reputational disasters.
For example, if a hacker steals customer data or requests ransom after encrypting your company’s servers, cyber Insurance will cover the cost to investigate the breach, the legal fees to notify customers of the breach, and the cost to mitigate the damages.
Want to know more?
Check out Mitigata’s step-by-step guide to applying for cyber insurance.
What is General Liability Insurance
CGL (Commercial General Liability) insurance is a basic but necessary protection for businesses against financial losses arising from third-party lawsuits for injuries, property damage, and personal/advertising injuries occurring during regular business operations.
Most businesses consider this insurance as their lifeline since it provides them with coverage from extreme and costly legal scenarios that might emerge as a result of their daily activities.
Why Pay More When ₹3CR Cover Costs Just ₹15,000/Year?
From accidents to damages, Mitigata’s CGL insurance shields your business with fast claims and seamless support.
Key Differences Between Cyber and General Liability Insurance
While both policies protect your business from unexpected risks, they cover very different types of incidents. Here’s a quick guide to help you understand the key distinctions:| Aspect | Cyber Liability Insurance | General Liability Insurance |
|---|---|---|
| Coverage Focus | Protects against digital risks like cyberattacks and data breaches. | Covers physical risks like injury or property damage. |
| Typical Incidents Covered | Data theft, ransomware, hacking incidents. | Slip-and-fall injuries, property damage, defamation. |
| Who It Protects | Businesses handling sensitive data, such as customer information. | Businesses with physical operations or client interaction. |
| Financial Protection | Pays for data recovery, legal costs, and notifications. | Pays for medical costs, property repair, and legal defense. |
| Legal Coverage | Covers lawsuits from data privacy violations. | Covers lawsuits from physical harm or property damage. |
| Business Relevance | Essential for online or tech businesses. | Essential for businesses with a physical presence. |
When You Need Both Cyber and General Liability Insurance
In today’s risk-filled business world, cyber threats are just as real as physical ones. Relying on a single policy can leave dangerous coverage gaps that cost you money and harm your reputation.
You should consider both policies if:
- You collect or manage sensitive customer or employee data (financial, medical, or personal).
- You store vital business information digitally that, if breached, could disrupt operations or invite legal trouble.
- You run a physical location where clients, vendors, or visitors could get injured or suffer property damage.
- You want complete protection that ensures business continuity against both online and offline risks.
Having both policies ensures your business is prepared for every risk angle and allows you to focus on growing your business rather than worrying about financial losses.
Check out why top businesses are choosing these Commercial General Liability Insurance providers in India.
Stronger Coverage Starts With Mitigata
Best-priced Cyber and CGL insurance, tailored to your risk profile. Powered by trusted partners like HDFC ERGO, ICICI Lombard, and IFFCO Tokio.
Conclsuion
Cyber Insurance and General Liability Insurance remain essential forms of risk protection. One protects what happens within your business’s physical space, and the other protects your digital assets.
Together, these insurance types provide a safety net against the threats we experience today.
Partner with Mitigata and get your cyber and liability insurance instantly!
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deepthi s