Cyber Insurance

Cyber threats come in all shapes and sizes and are evolving all the time. That’s why we offer a personal, bespoke service focused on protecting your business against a wide range of threats to and we can advise you on the best security cover to suit your needs.

We get to know you and your business

Our experienced team will take time to understand what you do and the risks your business faces. Working with specialist insurers, we offer comprehensive protection for your computer systems and data (electronic or non-electronic) at competitive premiums.

Our cover includes data breaches or a loss of vital business services and is essential if you:

Hold sensitive customer details such as names and addresses or banking information
Are reliant on e-mail and/or computer systems to conduct your business
Have a website
Are subject to a payment card industry (PCI) merchant services agreement.

As well as our policy’s key features, our cover can also extend to amounts you may be liable to cover:

Extortion – where hackers threaten to expose or destroy data they have already compromised unless they receive money from you
Electronic compromise – where attackers manage to hack into your network and gain access to your online accounting or banking platforms
Social engineering – where attackers impersonate one of your senior people or a third party to obtain payment
Privacy Protection – defence and payment of claims made against you for failing to keep your customers personal data secure, as well as costs relating to regulatory investigations and penalties incurred
Multimedia Liability – protection against mistakenly infringing copyright or libel.

Exceptional claims management when you need it most

Should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.

For independent advice or a personal quote

Our Cyber cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents and liability), we can cover risks specific to your business, such as:

Breach Costs – specialist support including forensic investigations, legal advice, customer support
Crisis Containment – expert PR support to minimise reputational damage
Business Interruption
Cyber Extortion – risk consultancy support and protection
Hacker Damage – cover for costs of repair, restoration or replacement following damage to websites, programmes or electronic data
Cyber Crime – including theft of money, property or digital assets
Telephone Hacking – costs of unauthorised telephone calls made by an external hacker following a breach of your computer network.

For independent advice or a quotation for your business

Free mid-term review

Even if your policy isn’t due for renewal now, we’d be happy to offer you a free, no obligation assessment of your current levels of cover.

Get in touch