Cyber Insurance | Quotes On Cyber Security | Cyber Cover

We're here to help


Independent service from your local insurance specialists

Need a cyber insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you great cyber insurance cover.  Your local Coversure office can offer you tailor-made protection, so start your quote today.

Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business

Average Customer Rating:

Independent service rating based on 1156 reviews

What Is Cyber Insurance?

Cyber insurance covers the losses relating to damage or loss of information from an organisation’s IT systems and networks. While it cannot prevent a cyber-attack, it can help you pick up the pieces if you are the victim of a successful attempt. A typical policy gives you financial protection should your business be subjected to:
  • Data loss
  • Extortion claims
  • Network damage
  • Business interruption
  • Legal fees

Who Needs Cyber Insurance?

With cyber-attacks on the rise in the UK – Software Advice reported that 62% of UK-based SMEs experienced an increase in cyber threats in the last two years – businesses large and small need to take the threat seriously.

If your business stores data, uses devices connected to the internet, such as computers or mobile phones, or has a website, it risks a cyber-attack.  Organisations that can benefit from having a policy include:

  • Online retailers
  • Manufacturers
  • Shops
  • Charities
  • Accountants
  • Lawyers
  • Office-based businesses
  • Computer services
  • Consultants

This list could go on and on.  As more devices connect to the internet – the so-called ‘Internet of Things’ – the routes through which hackers can attack will continue to grow, and the risks will rise.

If you’d like some advice on whether this type of cover is right for you, please get in touch with your local Coversure office.  They’ll be happy to give you the help you need to keep your business safe.

What can Cyber Insurance cover?

Whether you have a large business with premises up and down the country or run an independent not-for-profit, this cyber insurance can protect you against the daily threats that the modern era can bring.  Cyber insurance through Coversure offers a package of protection that allows you to cover multiple risks on a single policy* and can help you should you be the victim of:

An attack that contaminates another’s system

If, as a result of an attack, your system infects another’s and causes the attack to spread, you could be held liable. Contamination cover assists with the cost of legal battles and data recovery if your system infects someone else’s

An attack that leads to Legal Action

Should the loss of your data result in a customer or member of the public suing you under the Data Protection Act, you could be looking at a costly legal battle.  Legal cover will help with the costs of this

An attack and you need to pay Consultancy Fees

If you need to speak to an online security expert to get your business back in working order, then your policy can pay consulting fees so that you can talk to the appropriate parties and get the help you need

Hacker Damage

This business-critical policy feature will pay for repairs to any of your digital properties in the wake of an attack.  So, if a hacker takes your website down or breaches a database, hacker damage protection will assist with the costs of getting your business back up and running as soon as possible

Data Loss

If an attack causes you to lose or have data stolen, your policy will cover the costs of data recovery services. It will also help you regain data so you can get back to your day-to-day activities

Cyber insurance

Cyber-attacks are dangerous, potentially costly, and on the rise. 39% of U.K. firms experienced a security breach, cyber-attacks are up 10% on 2021, with 93% of large organisations have been targeted, according to The Department for Business, Innovation and Skills**. Today, cyber insurance can be considered as essential as protecting your stock or employees. Cyber insurance allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage, and more.


Business Interruption

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

What Can You Do To Prevent Cyber Attacks?

Never connecting your business’s computers or any web-enabled device, such as a phone to the internet is the only way to guarantee your system can’t be hacked.  Of course, that’s unrealistic, so what can businesses do to protect themselves from cyber-attacks?  The National Cyber Security Centre (NCSC) recommends several actions, including:

  • Backing up data to a secure and separate location – if you are subject to an attack targeting your system, the hackers could often name their price for you to regain your data. Ensuring you have your data backed up to a secure and separate location means that if your database is wiped or you cannot gain access via the usual means, your business would still be able to function
  • Protecting yourself from malware – installing antivirus software on all devices, only downloading apps from manufacturer-approved stores, ensuring all IT equipment versions are up to date, controlling the use of external USB and memory cards, and switching on your firewall will all help prevent malware from damaging your business
  • Consider mobile technology – don’t forget to consider mobile technology, such as smartphones and tablets. According to the ONS, 45% of businesses say staff regularly use their devices for personal reasons, too, so think about how they are used in your business
  • Protect your passwords – the NCSC advises using three random words to create a strong password and using 2-step verification where available. On shared computers, ensure all users have separate accounts and that they log out when they’ve finished using it.  Sharing passwords, using weak passwords, not updating passwords, and using a single password for all your logins are invitations to cyber criminals
  • Take care with emails – phishing emails are a standard way for hackers to access your system. These emails use a vanity address, appearing to be from a company you use and trust, often requesting payment or sending you an invoice.  Ensure you check the sender’s address before clicking any links in the email.  The likelihood is it will be a random email address you don’t recognise, and you’d be submitting information to a hacker
  • Installing software updates – they never seem to come at convenient times and can put your computer out of action for several minutes, but these updates happen for a reason. The ‘Wanna Cry’ attack on the NHS could gain access via an error in the system, which Microsoft had already patched in an update.  Ensuring your computer is up to date is simple and easy, so stay on top of those updates
  • Train your staff – the most common way hackers gain access to systems or databases is through human error. Train your team on the seriousness of cyber threats and best practise to avoid passing information on to a potential hacker.  Your security is only as safe as your working practises, so this is a priority

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Cyber cover for you.

Cyber Insurance FAQ

This can be a complex area of cover, so to help you get the protection you need, here is Coversure’s cyber insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure .

No, but as we have shown, it offers protection from several significant risks and is well worth considering

Getting a quote is easy; contact your local Coversure office or start your cyber insurance quote today

That will depend on several factors; the size of your business, the type of work you are doing, and the chances of an attack

Cyber criminals aren’t too fussy about who they attack.  While headlines are grabbed by breaches at big-name firms such as TalkTalk or Spotify, solo contractors and the self-employed are also at risk.  This makes having cyber insurance in place a wise decision

If your business is online, it’s likely to face several threats, from being locked out of your site to having your social media channels hacked.  Again, this makes having cyber insurance in place a wise decision

Various forms of data can be protected, including:


  • Personal health information (PHI) – any information that contains individually identifiable health information and includes any part of a client’s medical record such as health status, provision of health care, or payment for health care


  • Personally identifiable information (PII) – includes an individual’s name, address, telephone number, social security number, account numbers, account balances, account histories, and passwords


  • Payment card information (PCI) and Payment Card Industry Data Security Standards (PCI-DSS) – includes the personal information held by a payment card brand to process a payment card transaction. PCI also refers more broadly to the payment card industry.  PCI-DSS (Payment Card Industry Data Security Standards) relates to data security and the safeguarding, disclosure, and handling of protected information


  • Confidential third-party data – including sensitive third-party data such as trade secrets, designs, forecasts, methods, formulas, and records in your care


  • Hosted data, outsourced electronic processing, or data storage:  cover can extend to a computer system operated by a third party for a customer – say, a cloud server, or a web hosting service

Typically, you won’t be able to claim if:

  • The attack came from within your organisation
  • It occurred owing to wilful negligence
  • Basic security wasn’t in place
  • Loss of devices – such as laptops or mobile phones – was the cause

Need a Cyber Insurance quote?

If you’d like a Cyber Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Employers’ Liability

Public Liability

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

We're here to help