Cyber insurance helps businesses recover from data breaches, hacking, ransomware and other cyber incidents by covering first‑party costs such as forensic investigations, data restoration, business interruption and breach notifications—and by defending against third‑party claims, regulatory fines and legal costs. Many policies also include incident response coordination and crisis management.
Covers forensic investigations to identify the breach, legal advice and public relations costs to manage reputational damage.
Covers costs to repair, replace, or rebuild compromised systems and recover lost or corrupted data.
Covers negotiation expenses, specialist advice and where permitted, ransom payments.
Reimburses lost revenue and additional operating costs (for example, temporary staff) resulting from system outages or cyber attacks.
Protects against direct financial losses from social engineering, fraudulent payment instructions, or theft of funds.
Pays damages, settlements, and defence costs arising from breaches of confidential or personal data.
Reimburses insurable fines and penalties imposed by regulators (such as under GDPR or the Data Protection Act).
Covers claims of defamation, libel, or intellectual property infringement stemming from online content or social media.
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