• Cyber Liability - Protection against claims from tenants or third parties affected by your data loss or system failure.
• Business Interruption - Financial protection if rent collection or operations are disrupted due to cyber attack or system failure.
• Ransomware Coverage - Support for ransom negotiations, recovery costs, and system restoration after a ransomware attack.
• Payment Security - Coverage for fraudulent transactions and payment processor failures affecting rent collection.
• Regulatory Compliance - Assistance with GDPR fines, ICO investigations, and regulatory defence costs.

• Business Email Compromise targeting rent payment redirections
• Ransomware attacks halting rent collection systems
• Tenant data breaches exposing personal and financial information
• Payment processor compromises preventing rent processing
• Third-party vendor breaches via maintenance contractors
• Insider threats from disgruntled employees or contractors
• Phishing attacks targeting property manager credentials
• Regulatory non-compliance penalties for data protection failures

• Property Management Expertise - We understand tenant data protection, rent collection systems, and maintenance operation risks.
• Fast Claims Response - Rapid incident response to minimize business disruption and tenant impact.
• Competitive Pricing - Affordable premiums tailored to property management business models.
• 24/7 Support - Round-the-clock assistance for cyber incidents affecting your operations.

• 1. Get a Quote - Provide details about your property portfolio, tenant numbers, and current security measures.
• 2. Review Coverage - Our team explains options and recommends appropriate coverage for your portfolio size.
• 3. Customise Your Policy - Adjust coverage limits based on rental income, tenant data volume, and operational needs.
• 4. Purchase & Activate - Complete your purchase and receive immediate coverage confirmation.

• Tenant personal data and identity protection
• Lease agreement and financial record security
• Rent payment processing and fraud prevention
• Maintenance scheduling system security
• Tenant communication platform protection

• Large tenant database protection
• Centralized payment system security
• Shared infrastructure vulnerability management
• Coordinated incident response across units
• Bulk tenant notification capability

Fraudsters impersonate property managers requesting urgent rent payment redirections or tenant information access. These highly targeted attacks often succeed despite security awareness training, resulting in significant financial losses and data exposure.

• Rent payment redirection to fraudulent accounts
• Tenant information access requests
• Credential harvesting for system access
• Wire transfer manipulation

Cybercriminals target tenant databases for personal information, financial records, and identity theft. Breaches trigger GDPR fines up to 4% of revenue, notification costs, credit monitoring, and significant reputational damage.

• Personal information theft
• Financial data compromise
• Identity theft and fraud
• Regulatory notification requirements

Cyber incidents at maintenance contractors, cleaning services, or utility providers compromise your systems through shared access points. Vendor vulnerabilities create indirect attack vectors into your property management infrastructure.

• Contractor system access compromise
• Service provider credential theft
• Shared infrastructure vulnerabilities
• Supply chain attack vectors

• Forensic investigation: £5,000 - £50,000
• Data recovery services: £10,000 - £100,000
• System restoration: £20,000 - £200,000
• Regulatory fines (GDPR): Up to 4% of revenue
• Notification and credit monitoring: £5,000 - £50,000
• Legal and regulatory defence: £15,000 - £100,000

• Network and firewall configuration
• Tenant 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 property management company was hit by ransomware that encrypted their rent collection system, halting all payment processing.

Impact: Without cyber insurance, recovery costs would have exceeded £150,000, plus £30,000 in lost rental income during the 5-day outage.

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

Situation: A property management company fell victim to BEC fraud, with fraudsters impersonating the finance director and requesting urgent wire transfer of £65,000 to a "vendor account."

Impact: The transfer was completed before detection, resulting in significant financial loss and potential regulatory investigation.

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) on all systems
• Use strong encryption for data at rest and in transit
• Maintain regular automated backups of tenant data
• Implement endpoint protection and antivirus
• Monitor network activity and logs
• Segment networks to limit breach impact

Ideal for: Small portfolios (under 50 units)

• 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: Large portfolios (200+ units)

• 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 systems and data
• Notifying tenants of a data breach
• Meeting ransom demands
• Loss of rental income during downtime
• Your legal defence costs and damages you are legally liable to pay to tenants

• GDPR data protection obligations
• Data Protection Act 2018 requirements
• NIS Regulations for critical infrastructure
• Tenant data security standards
• Payment Card Industry (PCI) DSS compliance