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Cyber Insurance Protection

With more businesses working online, there is an increased risk of cyber-attacks. This could be from someone infecting your work computers with malware or someone hacking into your network and stealing your data. These problems have serious consequences, and they can stop you from being able to work, or they can cost you a lot of money.  You can get protected. 

Businesses of all sizes and complexities rely on some form of IT, be those mobiles, tablets, computers or more complex systems.

You might rely on these systems to sell your services or products, help run your office, or pay your staff. Being connected online with your customers and suppliers is a must in today’s world.

If you owned a building, you would arrange insurance to protect against fire, flood and a number of other perils that could damage or destroy it. This financial protection gives you peace of mind and, more importantly, responds when you need it most. 

Your computer systems and data storage units are no different which is why every business that relies on an IT infrastructure, however big or small, should arrange cyber insurance to future-proof the organisation against the growing threat of cybercrime.

You might think that the data they hold isn’t worth stealing and that it’s unlikely you will be attacked. Do you know the value of the data you hold?

  • Staff bank accounts
  • Invoice details
  • Client addresses and contact details

All of which are a gold mine to a cyber attacker.

You might think that only large businesses or public institutions are targets for cyber-attacks. The 2022 UK Government  Cyber Breaches Survey 2022  paints a very different reality.

  • 39% and 26% of charities reported having cyber security breaches or attacks in the last 12 months
  • 83% of these attacks were phishing attempts
  • Of the 39% reporting an attack, around 1 in 5 identified a more sophisticated attack such as denial of service, malware or ransomware
  • Organisations cited ransomware as a major threat, with 56% of businesses having a policy not to pay ransoms.

You can make it harder got criminals to access by having strong passwords, encryption and other security protocols. 

But if the worst does happen you will need help restoring your business or ensuring you have a business to run. Cyber insurance can help rebuild your systems and data, cover loss of income and handle communications with customers, regulators and agencies to help protect your business against the aftermath of cybercrime. 

You will also get support from a network of specialist risk management experts to get you back up and running as quickly as possible.
Get in touch with our cyber insurance experts

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What are common cybercrimes?

Unfortunately, even some of the most tech-savvy individuals can fall victim to cybercrime. While numerous types of criminal activities occur online, there are a few common cybercrimes to be aware of. These are serious issues that could cost you a lot of money if you are unprepared. You can also add additional coverage to your cybersecurity insurance policy.


A form of malicious software that can install itself in your systems via phishing scams and by exploiting software vulnerabilities. Once installed, the attacker can spy on online activities and steal private data.


This a form of malware that attacks your computer system and encrypts data. The attacker will then demand a ransom payment in exchange for the return of the data. It’s worthwhile to formulate a data recovery plan as a precaution and maintain at least one backup of your data.


Cyber hacking is a term used for partially or completely acquiring a computer system or certain functions within it. There are various methods of doing so, but the aim is generally to access important data.

The right cyber insurance policy

Can cover you for the investigation of the crime, claims made against you, recovering data lost in a security breach, the restoration of computer systems, reputation management, extortion payments demanded by hackers and some policies offer support with income loss if your business needs to close temporarily because of a cyber-attack.
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Luke Conn-Goodman, Account Executive | Commercial
1. What does cyber insurance cover?

In the event of a breach, security failure, illegal threat or cyber-attack, most cyber insurance policies will cover the first-party and third-party financial and reputational costs if data or electronic systems have been lost, damaged, stolen or corrupted.

2. How much does cyber insurance cost?

Cyber insurance costs depend on several factors, including the business’ annual revenue, the industry it functions within, the type of data held, and the level of network security. Certain sectors are more vulnerable to cybercrime and will, therefore require a higher level of coverage.

3. Do I need cyber and data insurance?

If you have a website, hold personal data about your customers, suppliers or even employees, and rely on computer systems as part of your day-to-day business, then you have a cyber and data exposure that you may wish to protect. Cyber insurance is designed to support your business if your systems are accessed online by malicious hackers, and they cause damage. Whereas the data element covers the physical loss of the data should it be corrupted or lost whether electronically or not.

4. Does Cyber and data insurance stop a hacker?

No.  But it can provide crucial support if your data is compromised. The covers included can help you recover in terms of IT forensics to identify and eliminate any viruses on your systems, legal assistance to help guide you through the process of notifying the relevant authorities and understanding your liabilities and PR representation to allow you to control the communications following a data breach as well as financial assistance for a loss of profits or the reinstatement of your data.