Cyber & Data Protection Insurance for Pubs

Protection against cyber attacks, data breaches and system failures affecting POS, card payments and booking systems.

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We compare quotes from leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Why Cyber Insurance Matters for Modern Pubs

Most pubs now rely heavily on technology to operate day to day. Card payment terminals, cloud-based POS systems, Wi-Fi networks, online table bookings and staff management platforms all store sensitive data.

A cyber incident can prevent you from taking payments, expose customer data or bring operations to a complete halt. Cyber & Data Protection Insurance is designed to help pubs respond quickly and recover financially.

Even small, independent pubs are increasingly targeted by cyber criminals because security controls are often basic.

What Cyber & Data Protection Insurance Covers

  • Hacking and unauthorised system access
  • Data breaches and loss of customer data
  • Ransomware attacks and extortion
  • POS and payment system failure
  • Cyber business interruption
  • Incident response and forensic costs

Policies can include both first-party costs and third-party liability arising from data protection failures.

POS Systems, Card Payments & Cyber Risk

Pub POS systems handle card payments, refunds, staff permissions and sales data. If compromised, pubs may be unable to trade and could face regulatory action.

  • Card payment outages
  • Malware targeting POS terminals
  • Unauthorised refunds or transactions
  • Loss of sales and customer trust

Cyber insurance helps cover recovery costs and lost income while systems are restored.

Booking Systems, Wi-Fi & Customer Data

Online booking platforms and guest Wi-Fi networks collect personal data such as names, emails and contact details.

  • Data protection liability under UK GDPR
  • Customer notification costs
  • Regulatory investigations and fines
  • Reputational damage management

Cyber policies can include specialist legal and PR support following a data breach.

Cyber Business Interruption

A cyber incident doesn’t need to involve stolen data to be devastating. System outages alone can stop a pub trading.

Cyber business interruption cover helps replace lost income if your pub cannot take payments, manage bookings or operate normally due to a cyber event.

Data Protection & Regulatory Exposure

Pubs handling personal data have legal responsibilities under UK GDPR. Failure to protect data can lead to investigations, penalties and compensation claims.

Cyber insurance helps manage legal costs and regulatory response, even where breaches are accidental.

Why Choose Insure24

  • Specialists in hospitality cyber risk
  • Cover tailored to POS and booking systems
  • Access to insurers experienced in data breaches
  • Support during live cyber incidents
  • Clear guidance on cyber exclusions
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FREQUENTLY ASKED QUESTIONS

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Do pubs really need cyber insurance?

Yes. Pubs increasingly rely on digital systems and are targeted by cyber criminals regardless of size.

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Does cyber insurance cover POS system failure?

Yes. Many policies cover system outages, investigation costs and loss of income following cyber incidents.

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Are GDPR fines covered?

Some policies cover regulatory defence costs and certain penalties where legally insurable.

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Does it cover third-party booking platforms?

Cover can extend to incidents involving third-party service providers, subject to policy wording.

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Is cyber insurance included in standard pub insurance?

No. Cyber risk is usually excluded unless specifically added as a separate cyber policy.

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