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There is an increasing reliance on technology in modern business practice, with companies using technology to look after everything from their communications, procurement to banking.
All that tech means businesses are more vulnerable to cyber threats, such as data breaches, cyber-attacks, and cyber extortion which can impact their day-to-day operation.
Our cyber policy not only provides protection against such threats, but expedites recovery of your system and minimises any downtime if you are a victim of a cyber attack, getting you up and running again as quickly as possible.
Non-intrusive monitoring helps identify potential exposures, vulnerabilities and signs of malicious activity. You’ll receive timely alerts, helping you investigate and take action sooner.
Cyber Insurance cover can be understood by breaking it up into two key groups; First Party Cover protects the insured against their own losses following a Cyber incident. Third Party Cover protects the insured where a third party seeks to hold them responsible for Cyber losses.
Please refer to our policy document for terms, conditions, exclusions, and endorsements of the actual policy issued.
| Coverage Agreement | £100,000 | £250,000 |
| Multimedia Liability | £100,000 | £250,000 |
|
Security & Privacy Liability |
£100,000 | £250,000 |
| Privacy Regulatory Defence & Penalties | £100,000 | £250,000 |
| PCI DSS Liability | £100,000 | £250,000 |
| Bodily Injury Liability | £25,000 | £25,000 |
| Property Damage Liability | £25,000 | £25,000 |
| Breach Event Costs | £100,000 | £250,000 |
| BrandGuard | £100,000 | £250,000 |
| System Failure | £100,000 | £250,000 |
| Cyber Extortion | £100,000 | £250,000 |
| Cyber Crime | £25,000 | £25,000 |
| Bricking Loss | £25,000 | £25,000 |
| Property Damage Loss | £25,000 | £25,000 |
| Reward Expenses | £25,000 | £25,000 |
| Court Attendance Costs | £25,000 | £25,000 |
| Maximum Aggregate Limit of Indemnity | £100,000 | £250,000 |
Need a higher level of cover? Contact us for more information.
A cyber extortion threat is a credible threat directed at your business to:
A hacking attack is any of the following:
A privacy breach is an incident where:
A security breach is either:
A hacking attack includes unauthorised access to or use of your computer system, denial of service attacks, infection by or transmission of malicious code, and acts of cyber terrorism.
A report or communication of an actual or potential security or privacy breach through a media channel (e.g. TV, print media, radio), and threatens to damage your business reputation or brand.
Cyber insurance is coverage designed to help your organisation manage the financial impact of a cyber incident and it provides protection for events such as data breaches, ransomware attacks, network disruptions, and other technology-related risks.
People make mistakes, bad actors look for financial gain, and maybe updates were ignored on your computer. Cyber liability insurance helps protect individuals and businesses when something goes wrong. It covers things like:
In a hyper-connected world, it’s your safety net when digital (or even paper-based) information gets compromised.
There is a dedicated 24/7 team to assist with any active incident response – the team will work closely with any insured to recommend vendors that can assist, provide advice and guidance and ensure that the recommended vendors are providing the level of service expected. The dedicated team members have technical backgrounds and can provide situational guidance based on the event reported. We work closely with 3rd party vendors to ensure solid customer experience. We do not provide active incident response or legal services directly.
There is a dedicated team that will respond to incidents 24/7/365 if you suspect that you experienced an incident. The team will make recommendations and guide you through coverage concerns and how to respond effectively to the matter at hand.
The 24/7 response team is based in the US. There is a 24/7 claims hotline with an on-call rotation. We have a network of vetted and trusted vendors based in the UK to assist with UK specific matters (as well as any other countries as needed).
Companies that use technology, store electronic data, or have an online presence are becoming increasingly vulnerable to cyber threats. Organisations handling customer information, using cloud services, or relying on e-commerce, should consider cyber liability insurance as it covers costs from data breaches, ransomware, and operational downtime.
With more than 4,000 five-star reviews, our customers consistently rate us highly for service, support and value.
Ask away! One of our team will get back to you!