• Cyber Liability - Protection against claims from customers or third parties affected by your data loss or system failure.
• Business Interruption - Financial protection if your business operations are disrupted due to a cyber attack or system failure.
• Ransomware Coverage - Support for ransom negotiations, recovery costs, and system restoration after a ransomware attack.
• Network Security Liability - Coverage for costs arising from network security failures that impact your clients or partners.
• Regulatory Compliance - Assistance with GDPR fines, regulatory defence costs, and compliance support.

• Phishing attacks and social engineering
• Ransomware and malware infections
• Insider threats and employee negligence
• Third-party vendor breaches
• System failures and data loss
• Denial-of-service (DDoS) attacks
• Payment card fraud and theft
• Regulatory non-compliance penalties

• Expert Guidance - Our specialists understand cyber risks across all industries and can tailor coverage to your specific needs.
• Fast Claims - Quick response and support when you need it most, with dedicated cyber incident response teams.
• Competitive Pricing - Affordable premiums without compromising on coverage or support quality.
• 24/7 Support - Round-the-clock assistance for cyber incidents and claims support when incidents occur.

• 1. Get a Quote - Provide details about your business and current security measures.
• 2. Review Coverage - Our team explains your options and recommends appropriate coverage levels.
• 3. Customise Your Policy - Adjust coverage limits and add optional protections based on your needs.
• 4. Purchase & Activate - Complete your purchase and receive immediate coverage confirmation.

• Payment processing and customer data protection
• Reservation system security and business interruption
• PCI DSS compliance for card payments
• Third-party vendor breach liability
• Ransomware recovery for operational systems

• Online payment fraud protection
• Customer database security
• Website and platform security
• Supply chain cyber risks
• Inventory system protection

Ransomware encrypts your critical business data and systems, making them inaccessible until a ransom is paid. Modern ransomware variants also threaten to publish stolen data, creating dual pressure. Recovery costs can exceed £100,000 for small businesses, not including operational losses.

• Encryption of files and systems
• Data exfiltration threats
• Operational shutdown
• Ransom demands and negotiation

Phishing emails trick employees into revealing credentials or transferring funds. CEO fraud and business email compromise (BEC) scams cost UK businesses millions annually. These attacks exploit human psychology rather than technical vulnerabilities.

• Credential harvesting
• CEO fraud and impersonation
• Fraudulent fund transfers
• Malware distribution

Distributed Denial-of-Service attacks flood your systems with traffic, making websites and services unavailable to legitimate users. DDoS attacks can be used as cover for data theft or as extortion tactics.

• Website unavailability
• Service disruption
• Business interruption
• Extortion demands

• Ransom payments: £10,000 - £500,000+
• Forensic investigation: £5,000 - £50,000
• Data recovery services: £10,000 - £100,000
• System restoration: £20,000 - £200,000
• Legal and regulatory defence: £15,000 - £100,000
• Notification and credit monitoring: £5,000 - £50,000

• Network and firewall configuration
• Data classification and storage practices
• Access control and authentication systems
• Backup and disaster recovery procedures
• Employee security awareness and training
• Incident response planning and procedures
• Third-party vendor security practices
• Compliance with industry standards

Situation: A mid-sized manufacturing company was hit by ransomware that encrypted their production systems, halting operations completely.

Impact: Without cyber insurance, recovery costs would have exceeded £150,000, plus £50,000 in daily operational losses.

Resolution: Cyber insurance covered forensic investigation, system restoration, and business interruption losses. The company resumed operations within 48 hours with minimal financial impact.

Situation: A restaurant group fell victim to CEO fraud, with fraudsters impersonating the managing director and requesting an urgent wire transfer of £80,000.

Impact: The transfer was completed before detection, resulting in significant financial loss.

Resolution: Cyber insurance covered the fraudulent transfer loss and provided incident response support to prevent future attacks.

• Deploy firewalls and intrusion detection systems
• Keep all software and systems patched and updated
• Implement multi-factor authentication (MFA)
• Use strong encryption for data at rest and in transit
• Maintain regular automated backups
• Implement endpoint protection and antivirus
• Monitor network activity and logs
• Segment networks to limit breach impact

Ideal for: Small businesses with limited data and basic operations

• Data breach response (up to £100,000)
• Cyber liability (up to £250,000)
• Business interruption (up to £50,000)
• Ransomware coverage (up to £100,000)
• 24/7 incident support

Ideal for: Established businesses with significant data and complex operations

• Data breach response (up to £1,000,000)
• Cyber liability (up to £5,000,000)
• Business interruption (up to £1,000,000)
• Ransomware coverage (up to £2,000,000)
• Dependent business interruption
• Dedicated incident response team
• Quarterly risk assessments

• The costs of restoring data and equipment
• Informing clients of a data breach
• Meeting ransom demands
• Loss of your net profit
• Your legal defence costs and damages you are legally liable to pay to other parties

• GDPR data protection obligations
• PCI DSS payment card security standards
• ISO 27001 information security standards
• NIS Regulations for critical infrastructure
• Industry-specific compliance frameworks