Key features
- Data breaches: where personal or commercial information (electronic or otherwise) is accessed without authorisation
- Security failure: a hacker exploiting a weakness in security systems leaving a business exposed
- Cyber attacks: any digital attack against a business
- Extortion: criminals holding systems or data to ransom
- Human errors: mistakes made by staff or suppliers that results in a data breach or system outage
- Business interruption: loss of income that a client may suffer from a cyber attack
- GDPR: covering liabilities and the cost of defending regulatory investigations after any alleged breach of data protection legislation
- Reputational damage: includes PR and crisis management support, and covers lost revenue or customers as a result of a cyber incident
- Financial crime and fraud: the use of the internet to deceive employees, customers or suppliers into transferring money or goods. We also cover traditional crime including physical theft of assets, money or securities and employee dishonesty
- Property damage: physical damage to equipment or property resulting from a cyber attack
- Dependent business interruption: covering lost revenue or increased costs incurred if a supplier’s systems are taken offline by a cyber incident
Our sectors - what we cover
Technology
We have a broad appetite to provide cyber & data cover to all businesses in the technology sector.
Core appetite (Risks we love): Any hardware and software risks
Broader appetite (Risks we like): Business-to-consumer technology
Edge of appetite (Risks we'll try our best to find a way): Gambling or gaming technology
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Marketing, Media & Creative
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Events & Event Organisers
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Health, Beauty & Wellbeing
We insure some businesses in this sector for cyber & data cover, such as hair salons and basic beauty treatments.
Core appetite (Risks we love): Dental professionals, occupational health, recruitment and optician risks
Broader appetite (Risks we like): Beauty and aesthetics, private ambulances and talking professionals
Edge of appetite (Risks we'll try our best to find a way): Surgical beauty treatments, care homes and drug and alcohol rehab
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Sports & Leisure
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Training & Tutors
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Consultancy & Professional Services
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Charity, Not for Profit & Public Sector
Core & broader appetite (Risks we love): We can insure most charity and not-for-profit organisations
Edge of appetite (Risks we'll try our best to find a way): Government organisations
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Specialist & Independent Retail
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Trades, Construction & Engineering
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Property Owners & Management
We have a very broad appetite for cyber & data cover in this sector and can insure most business types.
Key features
- 24/7 first response cover from the moment a cyber incident is identified
- Extensive liability cover to protect against claims arising from data subjects for data loss or theft
- Cyber business interruption cover that explicitly responds to contractual termination losses following a cyber incident
- Cyber crime and full commercial crime cover with limits provided up to £5m
Reputational protection cover - Ransomware and extortion cover
- Property damage or bricking cover to replace damaged computers following a cyber attack
Why choose Hiscox?
1
Access to the best in the business Your client will be assigned a dedicated claims manager who will handle their claim end to end. They will also have instant access to a network of market-leading experts from IT forensics to privacy lawyers and reputational experts.
2
Future proofed Our extensive policy wording means that clients are protected from emerging risks, threats and digital attacks that criminals may adopt in the coming years.
3
Broad cover
Hiscox cyber & data insurance covers the financial cost and business impact of an incident, as well as offering a range of additional features; from worldwide cover as standard, key person cover, no overall policy aggregate limit, to a 72-hour excess waiver, director’s personal cover and no retroactive date.
Hiscox Risk Academy
The Hiscox Risk Academy (HRA) is a free online risk management platform.
Access to the academy is included as standard for all clients with a turnover below £10 million. In addition if 100% of your clients employees successfully complete all the academy training, the excess shown in the quote schedule is reduced by £2,500. If the excess shown in the quote schedule is £2,500 or lower, no excess is payable.
Additional CyberClear training is offered to cyber customers on topics such as social engineering and payment diversion fraud to GDPR regulations and fraud awareness.
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