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.

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.