Hunter NelsonOwner of Nelson Insurance Agency

Cyber Insurance Explained Essential for Growing Fleets

4 Sept 2026 · 1 min

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0:48

In this instructional YouTube video, Hunter Nelson of Nelson Insurance Agency (Sioux Falls, South Dakota) introduces the often‑overlooked need for cyber insurance among fleet operators. He explains that as a fleet grows—adding more trucks—the overall risk profile expands, making a broader set of insurance coverages necessary. While a single‑truck operation may not require specialized policies such as Employment Practices Liability (EPLI), shop/property, workers’ compensation, or Occupational Accident (OCAQ), larger fleets must consider these coverages, with cyber insurance highlighted as a critical, yet frequently forgotten, component. The video sets the stage for a deeper dive into why cyber risks matter for fleets and how insurance needs evolve with scale.

Chapters

I'm Hunter with Nelson Insurance. Lately I've been going over, uh, all these insurance coverages explained on the YouTube channel. Today we're gonna talk about cyber insurance. This is one that's heavily forgotten about. Almost nobody has. This is really gonna be more tailored towards the fleet side of things, but, uh, it's a very important coverage. I'm gonna kind of explain why here. So we are based outta Sioux Falls, South Dakota. Again, I'm Hunter with Nelson Insurance Agency. So let's get into it. So as you guys grow, the more trucks you have, the more risk you have, the more insurance coverages you guys need. When you guys have 1 truck, 2 trucks, it doesn't really matter if you have EPLI. You don't need shop insurance or property insurance. You don't need work comp, OCAQ, or occupational accident, any other type of stuff really, until you start growing, right?