Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Cyber Liability
Breach response, ransomware, business interruption and liability to those affected.
What this cover does
A cyber policy is bought mostly for the response team it gives you in the first 48 hours — forensics, legal counsel, notification and negotiators — not only the money. State breach-notification laws apply to businesses of every size, with deadlines measured in days.
Typically included
- Breach response — forensics, legal counsel and notification
- Credit monitoring for affected individuals
- Ransomware and cyber extortion, including negotiation
- Business interruption from a network outage
- Data restoration and system recovery
- Liability to customers and partners, and regulatory defence
Common add-ons
- Social engineering and funds-transfer fraud
- Dependent business interruption for vendor outages
- Media liability for published content
- Bricking cover for hardware rendered unusable
- Reputational harm cover
Questions
What people ask about cyber
We are small. Are we really a target?
Smaller firms are targeted heavily precisely because defences are lighter. Notification obligations do not scale down with headcount, and the response cost is driven by record count, not revenue.
Does commercial property cover data?
No. Standard property forms exclude electronic data as property and do not pay the notification, legal and forensic costs that make up most of a breach bill.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Cyber Liability
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.