Cyber liability

In practiceCustomer data is exposed in a breach, and this funds the notification, credit monitoring, and forensic work you are legally required to do.

In practiceRansomware locks your systems and demands payment, and extortion coverage helps with negotiation and recovery.

In practiceAn attack takes your systems offline for days, and business-interruption cover helps replace the income you lost while down.

Not coveredLost income from an ordinary outage or your own equipment failure isn't a cyber claim.

In practiceAffected customers or a regulator come after you following a breach, and third-party coverage handles the liability and defence.

Not coveredFines that are uninsurable by law can't be covered, regardless of the policy.