Cyber Insurance

Cyber Insurance helps you recover from incidents such as data breaches, ransomware, system failures and online fraud. It can include business interruption cover, legal support, crisis management, forensic investigations and help in notifying your regulators.

Your level of cover depends on your business and how it operates. We’ll look at your turnover, whether you have a disaster recovery plan or are Cyber Essentials accredited, and the types of data you handle before creating your Cyber Insurance quote.

Breach response is the immediate help you get after a cyber incident. It covers the cost of bringing in experts to contain the issue, investigate what happened and guide you through your legal and technical obligations. That can include IT forensics, notifying affected customers and regulators, specialist legal advice and support to limit any further damage.

If a cyber attack prevents you from trading, business interruption cover can help replace the income you lose. If your systems are locked, your website goes down, or you can’t access key files, your policy can help replace the revenue you would have earned during that downtime. It’s designed to keep your business stable while you get everything back up and running.

This protects you when a supplier or service you rely on suffers a cyber attack. For example, if your website hosting, payment provider or cloud software is taken offline and it stops you from operating, this part of your policy can cover the financial impact on your business.

Yes. Most cyber policies include support if your systems are locked or held to ransom. That usually covers expert help to contain the attack, restore your data and get your systems working again. It can also include support with negotiations and guidance on what to do next, so you’re not dealing with it alone.

In many cases, yes. Phishing emails are one of the most common causes of cyber incidents, especially for smaller businesses. If a member of your team clicks on something they shouldn’t and it leads to a data breach, your policy can help with the investigation, recovery and other costs that follow.

It can. If a laptop, phone or tablet containing customer or business data is lost or stolen, your policy may cover the costs linked to the data exposure. It’s a useful safety net for businesses and teams that work on the move.

Not at all. Most claims come from everyday businesses like yours that use email, store customer details or take card payments. You don’t need to run an online store or ecommerce shop to be affected. Even a small breach can cause real disruption. Cyber insurance is there to help you recover quickly, whatever type of business you run.

Not completely. The companies you outsource to can have cyber issues of their own, and their contracts usually protect them, not you. If they’re hit by an attack and it affects your business, you may still have to deal with lost income and the cost of putting things right. Cyber Insurance can cover those gaps and help you manage the fallout.

Most cyber incidents aren’t caused by hackers breaking through IT networks or systems. They’re caused by simple, inadvertent mistakes, like sending an email to the wrong person, clicking a link that looks genuine or sharing information without realising. Human error is behind a huge number of cyber incidents, and it can happen in any business, no matter how careful you are. Cyber Insurance gives you support when those everyday slip‑ups turn into something bigger.

Cyber crime isn’t always targeted. A lost laptop, a weak password or an employee forgetting to log out of a system can be enough to cause a data breach. Smaller businesses are often affected because their defences are lighter and the impact hits harder. You don’t need to be a big, corporate business to fall victim to a cyber attack. Often, all it takes is one moment of bad luck.