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CYBER & DATA PROTECTION AS PART OF YOUR COMMERCIAL COMBINED POLICY
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DATA BREACH RESPONSE
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CYBER LIABILITY
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CYBER BUSINESS INTERRUPTION
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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)
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
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
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 DirectorFREQUENTLY ASKED QUESTIONS
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What is a Cyber & Data add-on?
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Do small businesses really need cyber cover?
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Is cyber cover included automatically in commercial combined insurance?
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Will cyber insurance replace the need for good IT security?
Related Commercial Combined Cyber Guides
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