Cyber insurance
Financial protection when digital risk becomes real.
Cyber insurance is more than breach response. A well-designed policy can help with ransomware, business interruption, privacy liability, regulatory investigations, digital fraud and the specialist response team needed during a crisis.
Risk landscape
Exposures that deserve a closer look.
Every organization is different. These are common areas we evaluate when designing the program.
- Ransomware and cyber extortion
- Network and dependent business interruption
- Privacy breach response and notification
- Regulatory investigations and penalties where insurable
- Funds transfer and social-engineering fraud
- System failure and data restoration
Coverage package
Core policies and extensions to consider.
Not every company needs every policy. We help determine the appropriate structure, limits and priorities.
Frequently asked questions
Questions about cyber risk insurance.
What does cyber insurance typically cover?+
Policies commonly combine first-party response costs and business interruption with third-party privacy and network security liability. Exact coverage, exclusions and sublimits vary by carrier.
Does cyber insurance cover ransomware payments?+
Policies may cover extortion response and payments when lawful and approved by the insurer, subject to sanctions review, conditions and sublimits. Prevention and incident response remain essential.
What is dependent business interruption?+
It can address lost income caused by a covered cyber incident affecting a specified or qualifying technology provider on which your business depends.
Are social-engineering losses automatically covered?+
Usually not without a specific crime or cybercrime insuring agreement. Coverage may have lower sublimits and verification-control requirements.
A better insurance conversation