Cyber & Data Insurance
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Cyber & Data Insurance covers the financial fallout when something goes wrong in your digital world. A breach, a ransomware attack, someone on your team clicking the wrong link; it happens to businesses at every stage, and the costs stack up fast. Incident response, legal fees, regulatory fines, telling your customers what happened, and dealing with the reputational damage that follows. This cover exists so that when it happens to you, you're not figuring it out alone.
What This Covers
The specialist team to investigate and contain the incident- Notifying the people whose data was affected
- Ransomware payments and getting your systems back up
- Lost revenue while your business is offline
- Legal costs and claims from third parties affected by the breach
- Regulatory fines and penalties, where they can be insured
- PR and crisis comms support to manage the fallout
- Compensation claims from customers
- Losses from social engineering and fraud, where included
- Knock-on losses when a cloud or SaaS provider goes down
What This
Does NOT Cover
Anything deliberate or fraudulent on your part- Vulnerabilities you knew about and didn't disclose when you took out the policy
- Physical damage or injury
- War, terrorism, or state-sponsored attacks (this varies by policy)
- Losses where basic security measures weren't in place
- Reputational damage on its own, without an underlying incident that's covered
- Intellectual property theft without a cyber incident behind it
Illustrative
Claim Example
Illustrative Example
A 60-person SaaS business was hit by a ransomware attack on a Friday. By Monday morning their platform was down, three enterprise clients were threatening to walk, and the ICO had been notified. Their cyber policy covered the forensic team to isolate and remove the malware, a specialist PR firm to manage client communications, legal support through the regulatory process, and £140,000 in lost revenue during the 11-day outage. Total claim: £210,000. Total excess paid by the business: £2,500.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
You're a tech business handling customer or user data
You run a SaaS, platform, or product-led business
You process payment card information
You store sensitive personal or health data
Who Needs This Insurance
Ready to
get covered?
Get a quote for Cyber & Data Insurance built around your business, not a generic template.
