BUSINESS INSURANCE • BURNLEY & BEYOND

Cyber Security Insurance.
A digital incident.
A practical response.

Email, data and connected systems are part of everyday business. Cyber insurance can help with selected costs and liabilities following an insured incident. We will discuss your systems, information and security arrangements before exploring available terms.

Start with a conversation.

Tell us what your business does, what has changed and when you need cover.

Call 01282 348494 or use the quote link to contact our team.

Start with how your business uses technology.

Tell us what information you hold, who can access your systems and which services you depend on. Outsourcing IT or using cloud software does not remove the need to understand your own exposure. Explain the controls you actually have in place, rather than those still planned.

Cover options to discuss

Incident response

Ask what specialist assistance is available following an insured incident and how to contact the approved response team. Follow the policy’s notification and consent process.

Data and third-party claims

Discuss the information you hold and potential claims arising from a covered breach. Available liability cover, limits and exclusions differ between policies.

Recovery and disruption

Raise system restoration, data recovery and lost income from covered cyber events. Waiting periods, sublimits and the definition of the trigger need attention.

A supplier email asks you to change bank details.

Payment fraud and social engineering should be raised specifically when reviewing cover. Do not assume a cyber policy covers every fraudulent transfer. Explain your payment-verification procedures and ask whether a relevant extension is available, alongside your day-to-day fraud prevention.

Prepare for your quote

Your activities, turnover and types of personal or business data held.
Multi-factor authentication, access controls and staff training.
Backup arrangements, restoration testing and software updates.
IT suppliers, previous incidents and payment approval procedures.

Your questions, answered

Does cyber insurance replace security software or backups?

No. Insurance and preventive controls serve different purposes. Insurers may ask about your security arrangements and impose conditions that need to be maintained.

Are small businesses exposed too?

A small business may still rely on email, customer data and online systems. Explain the impact if those resources were unavailable so the insurance discussion reflects your operations.

Is ransomware or payment fraud always covered?

No. Ask about the specific event, relevant restrictions and any separate limits or extensions. Do not infer cover from the policy’s name.

See the wider picture.

Business Interruption

Explore the questions to raise alongside your cyber security insurance review.

Professional Indemnity