BUSINESS & PROFESSIONAL

Cyber insurance. Explained.

Examine incident response, recovery and liability alongside the security conditions your business must meet.

Start with what you need covered.

Cyber insurance can combine practical incident support with cover for specified financial losses and liabilities. Compare the response service as carefully as the payout limit. The security information supplied when applying must reflect the systems and processes actually in place.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Incident response

Ask about forensic, legal and communications support following an eligible incident.

Recovery and interruption

Discuss data restoration, recovery expenses and lost income under defined triggers.

Liability and fraud extensions

Check third-party claims, social engineering and payment fraud separately.

BEFORE YOU CHOOSE

Four conversations worth having.

Security statements

Can the business meet the declared controls, including backups and authentication?

Emergency response

Is a response team available, and must approved specialists be used?

Sub-limits

Are fraud, recovery, interruption and other benefits subject to separate smaller limits?

Dependencies

How are incidents affecting cloud providers and other suppliers treated?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

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