Cyber liability insurance covers you in the event of many of the most common forms of data breach/leaks both online and offline. For those who do not operate a business website, or who have chosen to not to store sensitive data on their website, your liability in regard to the stewardship of your clients information does not simply disappear because your operations are not exposed to the internet. Email, point of sale credit card transactions, computers storing sensitive information being physically stolen; if your business was in any way either directly or indirectly involved in its leak, your business could be liable for all financial damages.