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Incident response
Access to approved forensic, legal, notification, restoration and crisis-management support after an insured event.
Cyber insurance
Cyber Insurance for UK Businesses
Compare cover for ransomware, data breaches, cyber interruption, incident response and third-party cyber liability.
FCA-authorised broker
Incident-response options
Cover subject to underwriting
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Working with insurer markets
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
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- CHUBB
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- AXA
What cyber insurance can address
Financial protection and specialist help after a cyber incident
Cyber policies can combine first-party incident costs with third-party liability protection. The events, response services, limits, sub-limits and exclusions vary materially between insurers.
Data breach costs
Selected investigation, legal, notification and support costs following a covered loss or disclosure of data.
Cyber interruption
Selected loss of income or additional expense when an insured cyber event disrupts systems or operations.
Ransomware and extortion
Response and certain insured costs may be available, subject to security conditions, legal restrictions and policy terms.
Data and system restoration
Costs to restore affected data, software or systems where the policy and incident trigger provide cover.
Third-party cyber liability
Defence and covered damages where another party alleges loss arising from a security or privacy failure.
Who should consider it
Cyber risk extends beyond technology companies
A business can be exposed whenever trading depends on digital systems, connected equipment, payment services, confidential information or third-party technology suppliers.
Customer or employee data
Businesses holding personal, health, payment or confidential commercial information.
Cloud and email dependency
Organisations relying on hosted software, remote access, email, file storage or online collaboration.
Online sales and payments
Retailers, ecommerce businesses and service providers dependent on websites and payment platforms.
Operational technology
Manufacturers, logistics firms and other businesses where connected systems affect physical operations.
A current or previously known incident needs immediate disclosure.
Do not assume a new policy will cover an event that has already happened or was known before inception. For preparation guidance, use the cyber risk assessment and exclusions guide.
Prepare for underwriting
Information that shapes cyber terms
Clear security and dependency information helps insurers assess the risk and makes policy comparisons more meaningful.
- Turnover, activities and territories.
- Types and volumes of sensitive data.
- Multi-factor authentication and access controls.
- Backups, testing, patching and endpoint protection.
- Critical systems and outsourced technology providers.
- Previous incidents, losses and response planning.
Common questions
Cyber insurance FAQs
What can cyber insurance cover?
Depending on the wording, it may cover incident response, forensic investigation, data-breach costs, cyber interruption, restoration, extortion response and third-party liability.
Does cyber insurance cover ransomware?
Some policies can cover ransomware response and related insured costs, subject to security requirements, exclusions, legal restrictions and insurer approval.
What affects the cost of cyber insurance?
Pricing can depend on turnover, sector, data, system dependency, security controls, previous incidents, limits, excesses and the breadth of cover selected.
Is cyber insurance only for technology businesses?
No. Businesses in many sectors can have cyber exposure when they rely on email, cloud services, websites, payment systems, operational technology or personal data.
What information is needed for a cyber insurance quote?
Insurers commonly ask about turnover, activities, data, critical systems, multi-factor authentication, backups, patching, access controls, incident response and previous cyber events.
Is cyber liability the same as cyber insurance?
The terms are often used broadly. Some policies distinguish third-party cyber liability from first-party incident costs, so compare the actual sections and definitions rather than the product name alone.
Compare cyber insurance quotes
Tell us how the business uses technology, what data it holds and which systems are critical. We can help present the risk to relevant available markets.