Cyber Insurance
Addresses selected losses from cyber incidents, potentially including specialist response, data restoration, business interruption and claims from affected people, depending on the modules and incident definitions selected.
- Illustrative example
- Ransomware disables a business network and suspected data theft requires investigation, recovery work and customer notifications.
- Check the wording
- Check security conditions, incident reporting and exclusions; ransom payments require express cover and must comply with applicable law and sanctions.
Read the detailed Cyber Insurance guide
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Cyber Crime
Cover section
Addresses specified financial losses involving electronic theft or deception, potentially including fraudulent funds transfers and social engineering where those events are expressly included in the wording.
- Illustrative example
- A convincing impersonation email tricks an employee into sending a supplier payment to a fraudulent account.
- Check the wording
- Deceived but authorised payments may be treated differently from hacking; confirm social engineering cover, verification conditions and separate sublimits.
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Privacy Liability
Cover section
Addresses covered claims arising from alleged mishandling, unauthorised disclosure or loss of protected personal or confidential information, potentially including eligible defence and regulatory response expenses.
- Illustrative example
- A customer database is exposed online and affected individuals allege the business failed to protect their information.
- Check the wording
- Regulatory investigations and penalties have separate conditions; penalties are covered only when expressly insured and legally insurable.
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Network Security Liability
Cover section
Addresses covered third party claims alleging a failure of the insured business's network security caused harm, such as malware transmission, unauthorised access or service disruption.
- Illustrative example
- Attackers compromise a supplier's network and use it to transmit malware into a customer's systems.
- Check the wording
- This addresses liability to others, not automatically your own restoration costs; check security failure definitions and contractual liability exclusions.
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Technology E&O
Addresses claims that errors, omissions or failures in defined technology products or services caused a customer loss, complementing cyber protection for businesses delivering software or IT services.
- Illustrative example
- A software configuration error corrupts a client's records, and the client seeks recovery costs and lost revenue.
- Check the wording
- Check whether products and services are both insured; performance guarantees, refunds and the cost of correcting your own work may be excluded.
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Addresses covered claims arising from creating or publishing content, potentially including defamation, invasion of privacy and specified intellectual property infringement across the insured media activities.
- Illustrative example
- A publisher receives a claim alleging an article contains defamatory statements about a business owner.
- Check the wording
- Not every intellectual property right is included; patent claims, deliberate infringement and contractual licensing disputes may be excluded.
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Cyber Business Interruption
Cover section
Addresses insured income loss and specified additional expenses when a covered cyber event or included technology failure interrupts operations, sometimes extending to named dependent service providers.
- Illustrative example
- A cyberattack shuts down online ordering, reducing sales while the business restores its systems.
- Check the wording
- Check waiting periods, restoration periods and provider dependencies; ordinary lost productivity or every cloud outage will not necessarily qualify.
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System Failure
Extension
Extends applicable cyber protection to defined non-malicious computer system outages, potentially addressing interruption losses when software, configuration or other covered operational failures disrupt business systems.
- Illustrative example
- An accidental configuration change disables a booking platform and prevents customers from making reservations.
- Check the wording
- This requires an included failure trigger; maintenance, ageing hardware, utilities and external providers may be treated differently or excluded.
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