Business Cyber Insurance
Respond fast to data breaches, ransomware and cyber attacks.
Ransomware, hacked email accounts and payment fraud now hit small and mid-sized businesses as often as large ones. A business cyber policy pays for experts to contain the attack, restore your data and systems, cover lost income while you recover, and defend claims from customers whose data was exposed.
Who needs it
- Any business holding customer or employee data
- E-commerce, IT, finance and healthcare businesses
- Companies that rely on systems to operate
What's covered
Incident response
Forensic investigation, legal advice and crisis management.
Data and system restoration
Recovering data and rebuilding systems.
Business interruption
Income lost while systems are down after an attack.
Privacy and network liability
Claims from customers and third parties after a breach, and defence costs.
Cyber extortion
Response costs for ransomware incidents, where permitted by law and the policy.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Incidents that started before the policy
- Losses from known security weaknesses left unfixed, as per policy
- Failure of power, internet or other utility infrastructure
- Fines and penalties that are not legally insurable
Popular add-ons
Social engineering fraud
Money lost when staff are tricked into paying fake invoices or instructions.
Documents checklist
To get a quote or buy
- Business description, turnover and number of records held
- IT security measures (backups, firewalls, multi-factor login)
- Past incidents
- Business KYC: PAN, GST certificate and address proof
To make a claim
- Incident notification to the insurer (as early as possible)
- Police / CERT-In complaint where required
- Forensic report
- Proof of costs and income lost
Frequently asked questions
We are small. Would anyone attack us?
Small businesses are frequent targets because their defences are weaker. Email fraud and ransomware are common.
What should we do first after an attack?
Call the insurer's incident hotline in your policy and us. Do not pay any ransom or wipe systems before speaking to the experts.
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ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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