Commercial coverage

Cyber security insurance.

Small businesses are targeted precisely because they are small. The cost is rarely the ransom; it is the days of not trading.

What it covers

The parts worth getting right.

  • Breach response, forensics and notification
  • Ransomware and extortion
  • Business interruption from a system outage
  • Third party liability for data you hold

Commonly missed

Funds transfer fraud, where someone is tricked into paying a fake invoice, is the most common loss and is not always included by default.

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Worth knowing

The most common cyber loss is not ransomware. It is someone paying an invoice that was never real.

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Common questions

Asked most about this.

Is funds transfer fraud included?

Not always by default. It is the loss small businesses actually suffer, so it is the first thing we check on a quote.

We are small. Are we really a target?

Small businesses are targeted precisely because the defences are thinner. The cost is rarely the ransom, it is the days of not trading.

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