Cyber

When a breach, ransomware lockout or spoofed invoice hits, we cover the response, the recovery and the claims that follow.

Get instant insurance

What Cyber covers

Cyber covers what a data breach, ransomware attack or account takeover actually costs you: the incident response, the recovery, the third-party claims, and the regulatory consequences. A lockout or a spoofed invoice can cost more than any break-in, so this is how modern businesses cover what's already their biggest exposure, keeping an attack from taking the business down with it.

Incident response

Forensics, legal, notification and PR.

Downtime cover

Income lost while an event stops you trading.

Ransomware

Extortion costs, where the law permits.

Data breach claims

Third-party claims for breach and privacy violations.

24/7 helpline

Cyber incident helpline, included as standard.

Data recovery

Restoring data and getting systems running again.

This is a summary of cover. See the FAQ for what's not covered.

Get instant insurance Read policy documents

Cyber in the real world

A few everyday situations where the cover steps in.

Ransomware locks your team out of every system on a Monday morning.

Cover steps in for the specialist response, restoring your data and systems, and the income lost while you're down.

A finance email is spoofed and a payment is sent to a fraudster.

Cyber crime cover responds to the funds lost to the deception, and the helpline guides you through what to do next.

Customer data is exposed in a breach and you have to notify everyone affected.

The cost of notifying customers and the regulator is covered, along with any claims that follow from the people whose data was exposed.

Built for businesses like yours

If your business holds customer data, takes payments, or relies on systems and email to operate, a cyber incident is one of your biggest everyday risks.

E-commerce & online retailersAnyone holding customer dataBusinesses taking card paymentsProfessional & financial servicesHealthcare & care providersAgencies & SaaS businessesFirms reliant on email & systemsCompanies handling supplier data

What Cyber gives you

Help the moment something goes wrong

A breach or ransomware attack triggers expert incident response, covering forensics, legal, customer notification and PR, so you're not facing it alone.

Covers the cost of downtime

When a cyber event stops you trading, business interruption cover steps in for the income you lose while systems are brought back up.

Protects you when others claim

If customers or partners are affected by a breach of their data, third-party claims and the regulatory consequences are covered too.

Get instant insurance

Part of your package

Cyber comes bundled in these packages, or build your own.

Starter

Freelancers and solo founders

Public liability, cyber and legal expenses, so an accident, a hack or a dispute can't stall your work.

Policies included in this package:

View package

Builder

Growing teams with staff

Adds employers' liability, for when you take staff on.

Policies included in this package:

View package

Scaler

Established teams with premises

Full liability, property and cyber cover for stock, equipment and high-value assets.

Policies included in this package:

View package

The words explained

A quick guide to the insurance terms on this page.

Things going wrong with your systems or data: a breach, hack, ransomware, denial-of-service, or data lost, stolen or corrupted.

When personal or confidential data is lost, stolen, or exposed to people who shouldn't have it, which often triggers a duty to notify customers and the regulator.

Malicious software that locks your systems or data until a ransom is paid. Cover can include the response and, where it's lawful, the ransom itself.

The specialist help that kicks in when something goes wrong: IT forensics, legal advice, customer notification and PR, often via a 24/7 helpline.

The income you lose while a cyber incident stops you trading. Cover helps replace it, usually after a short waiting period.

A claim made against you by someone else affected by an incident, for example a customer whose data was exposed, as opposed to your own costs.

Questions, answered

Smaller businesses are targeted precisely because their defences are lighter, and the cost of an incident, from recovery to lost trading and notifying customers, lands just as hard. If you hold data or depend on systems, the exposure is real regardless of size.

Two sides. Your own costs, such as incident response, recovering systems and data, and the income lost while you're down. And third-party costs, such as claims from people whose data was exposed, plus regulatory defence. It's the response as much as the payout.

They reduce the chance of an incident but don't pay for one. No security is perfect, and cyber insurance covers what happens when something gets through, which IT support and software alone don't.

Cyber extortion and ransomware costs can be covered where it's lawful to do so, alongside recovering your data and systems. Known, unresolved breaches and unpatched vulnerabilities you were already aware of are excluded.

You get a 24/7 incident response line: IT forensics to contain it, legal and regulatory guidance, and help notifying anyone affected. Getting expert help fast is often what limits the damage and the cost.

Cyber covers the fallout of an attack or breach. A few things sit outside it:

Pre-existing breaches you knew about.
Unpatched known vulnerabilities, subject to underwriting.
State-backed cyberwar and acts of terrorism.
Lost income in the first hours after an incident. A short waiting period applies.

Get covered before you need it.

One application covers Cyber alongside the other modules you need, and caremate™ returns your package and price in minutes. Sort it now, so the next bad day is a claim you make, not a bill you swallow.

Get instant insurance See packages