Cyber & Data Cover – Cyber-Liability Add-On

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Add cyber and data protection to your commercial combined policy – ideal for businesses that use IT systems, email, cloud services or hold customer data.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

CYBER & DATA PROTECTION AS PART OF YOUR COMMERCIAL COMBINED POLICY

  • Breach response

    DATA BREACH RESPONSE

  • Liability

    CYBER LIABILITY

  • Business interruption

    CYBER BUSINESS INTERRUPTION

  • Ransomware

    RANSOMWARE & EXTORTION

Extend Your Protection Beyond Physical Risks

Your commercial combined policy can protect buildings, stock and liabilities – but modern risks also live in your email, IT systems and cloud platforms. This cyber add-on helps cover the financial impact of data breaches, ransomware, cybercrime and system failures.

What Cyber & Data Add-On Cover Can Include

Designed to sit alongside your commercial combined insurance – giving you extra protection for digital assets, IT infrastructure and the data your business depends on.

  • Breach response costs – IT forensics, legal advice and customer notifications
  • Third-party cyber liability – claims from customers or partners affected by a breach
  • Business interruption from system outage or cyber attack
  • Ransomware and cyber extortion – negotiation support and financial reimbursement (where covered)
  • Data restoration and system repair following malware or hacking
  • Regulatory defence and certain fines/penalties (where insurable)
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Which Businesses Need Cyber & Data Cover?

Typical Policyholders

  • Any business that stores customer or employee data
  • Companies using cloud services, SaaS platforms or online portals
  • Firms reliant on email, CRM or booking systems
  • Professional services, retailers, hospitality and trades
  • SMEs wanting to align with client or contract cyber requirements

Key Cyber & Data Risks

  • Ransomware encrypting systems and blocking access to data
  • Email compromise and invoice fraud
  • Loss or theft of laptops, USB drives or mobile devices
  • Human error – misdirected emails or incorrect data sharing
  • Third-party attacks through suppliers, partners or vendors
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Why Add Cyber Cover Through Insure24?

  • Flexible cyber add-on structured around your existing combined policy
  • Access to cyber-specialist insurers and incident response teams
  • Help tailoring limits and cover to your data and system exposure
  • Ability to align cyber cover with client contracts and supply chain requirements
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A phishing email led to a serious data breach. Having the cyber add-on in place meant we had immediate specialist support and the costs were largely covered.

Olivia H., Professional Services Firm Director

FREQUENTLY ASKED QUESTIONS

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What is a Cyber & Data add-on?

It is an optional extension to your commercial combined policy that adds protection against cyber incidents and data breaches, covering costs such as IT forensics, legal support, notifications and certain liabilities.

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Do small businesses really need cyber cover?

Yes. Smaller businesses are frequently targeted because they often have weaker security. A single incident can be expensive and highly disruptive – cyber cover helps protect cash flow and reputation.

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Is cyber cover included automatically in commercial combined insurance?

Not usually. Many standard commercial combined policies exclude or severely limit cyber risks. A specific cyber & data section or add-on is often required to obtain meaningful protection.

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Will cyber insurance replace the need for good IT security?

No – insurance is there to support you when things go wrong. You still need appropriate security measures, backups and staff training. Insurers may also require certain minimum controls to be in place as part of cover.

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