• Payment Card Fraud Protection - Coverage for card payment system breaches and PCI DSS compliance issues
• EPOS System Failure - Protection when your till and ordering systems are compromised or fail
• Customer Data Breach Response - Cover for notification costs, credit monitoring, and regulatory fines
• Business Interruption - Financial protection when cyber incidents force you to close or limit operations
• Ransomware Recovery - Support for ransom negotiations, data recovery, and system restoration
• Booking System Security - Protection for online reservation and table booking platforms

• Card payment terminal hacking and skimming
• EPOS system malware and data theft
• Contactless payment fraud
• Online ordering system breaches
• Payment gateway failures
• PCI DSS compliance violations

• Customer payment card data theft
• Loyalty program database breaches
• Email marketing list compromises
• Customer contact information theft
• GDPR compliance failures
• Third-party booking platform breaches

Cybercriminals target pub card payment terminals to steal customer payment data. Malware can be installed on EPOS systems to capture card details, or physical skimming devices attached to terminals. These attacks often go undetected for weeks, compromising hundreds of customer transactions.

• EPOS malware capturing card data
• Terminal skimming devices
• Man-in-the-middle payment interception
• Compromised payment processors

Pub staff are frequently targeted by phishing emails that appear to come from suppliers, brewery partners, or management. These emails trick staff into revealing login credentials, transferring funds, or downloading malware that compromises your entire network and customer data.

• Fake supplier invoices
• Credential harvesting emails
• Manager impersonation scams
• Malicious attachment downloads

• Ransomware payments: £5,000 - £50,000
• Forensic investigation: £3,000 - £15,000
• System restoration and recovery: £5,000 - £25,000
• Customer notification costs: £2,000 - £10,000
• Credit monitoring services: £1,000 - £5,000
• Legal and regulatory defence: £5,000 - £30,000
• PCI DSS fines and penalties: £5,000 - £100,000
• GDPR fines: Up to 4% of annual revenue

• Data breach response and forensic investigation
• Customer notification and credit monitoring
• Public relations and reputation management
• Business interruption and lost income
• Ransomware payments and negotiation
• System restoration and data recovery
• Crisis management support
• Regulatory defence costs

Ideal for: Single-site pubs with annual revenue under £500,000

• Cyber liability: Up to £250,000
• Data breach response: Up to £50,000
• Business interruption: Up to £25,000
• Ransomware coverage: Up to £50,000
• 24/7 incident support hotline
• Basic security assessment

Ideal for: Large pubs or gastropubs with revenue over £1.5 million

• Cyber liability: Up to £5,000,000
• Data breach response: Up to £1,000,000
• Business interruption: Up to £500,000
• Ransomware coverage: Up to £1,000,000
• Dedicated incident response team
• Comprehensive security audits
• Advanced threat monitoring
• Crisis PR support

• Use PCI DSS compliant payment terminals
• Regularly update EPOS software
• Implement end-to-end payment encryption
• Separate payment networks from guest Wi-Fi
• Monitor terminals for tampering
• Conduct regular PCI compliance audits
• Use tokenization for stored card data
• Implement strong password policies

• Regular cyber security awareness training
• Phishing email recognition exercises
• Password security best practices
• Social engineering awareness
• Incident reporting procedures
• Device security protocols
• Customer data handling training
• GDPR compliance education

Situation: A village pub's EPOS system was infected with malware that captured customer payment card details for six weeks, compromising over 1,800 transactions.

Impact: PCI DSS fines, customer notification requirements, credit monitoring costs, and potential legal claims totalled over £65,000.

Resolution: Cyber insurance covered all forensic investigation costs, customer notification, credit monitoring, PCI fines, and legal defence. The pub maintained customer trust through professional crisis management support.

Situation: A pub manager fell victim to a phishing email impersonating their brewery supplier, resulting in a fraudulent payment of £12,000 and compromised email access.

Impact: Direct financial loss plus costs to secure systems and investigate the breach.

Resolution: Cyber insurance's social engineering coverage reimbursed the fraudulent payment and covered forensic investigation, system security improvements, and staff training to prevent future incidents.

• Hospitality Specialists - We understand the unique cyber risks facing pubs and hospitality venues
• 24/7 Incident Response - Round-the-clock support when cyber incidents occur
• Fast Claims Processing - Quick response and payment when you need it most
• Competitive Premiums - Affordable coverage tailored to pub operations
• PCI DSS Support - Guidance on payment card security compliance
• Risk Management Services - Security assessments and staff training included
• No Hidden Exclusions - Clear, transparent policy terms
• Multi-Site Coverage - Flexible options for pub groups and chains

• 1. Contact Us - Call 0330 127 2333 or request a quote online
• 2. Provide Details - Share information about your pub's operations, systems, and revenue
• 3. Risk Assessment - We'll assess your cyber risk profile and security measures
• 4. Receive Quote - Get a tailored quote within 24 hours
• 5. Customize Coverage - Adjust limits and add optional protections
• 6. Activate Policy - Purchase and receive immediate coverage confirmation

• PCI DSS compliance for card payments
• Secure payment terminal requirements
• Network security standards
• Regular security testing
• Access control measures
• Cardholder data protection