Cyber liability insurance for modern digital risk.

Protect your data, your clients, and your reputation

Insurance Solutions for Cyber Liability.

Cyberattacks, data breaches, and online fraud are now everyday risks for businesses of all sizes. Cyber Insurance helps you recover quickly, with options to cover data loss, ransomware attacks, and reputational damage so you can stay operational and trusted when the unexpected happens.

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What Is Cyber Liability Insurance?

Cyber Liability Insurance provides financial protection and expert support if your business suffers a cyberattack, data breach, or system compromise. It can cover the cost of investigating the incident, restoring your systems, and managing the legal, financial, and reputational fallout.

From phishing scams and ransomware to accidental data leaks, even the smallest business can face serious consequences. With Cyber Liability cover in place, you’ll have round-the-clock incident response, legal defence, and business interruption protection — ensuring your organisation can respond, recover, and rebuild confidence swiftly.

Typical areas of protection include:

  • Data breach response

    Covers the immediate costs of investigating a breach, restoring lost or stolen data, notifying affected individuals, and complying with regulatory reporting requirements. This ensures you meet GDPR and ICO obligations while containing the damage and maintaining trust with customers, clients, and staff.

  • Ransomware and extortion

    Provides funding and specialist support if cybercriminals encrypt, lock, or threaten to publish your data. Cover includes negotiation assistance, forensic investigation, and payment handling if legally permissible — helping you regain access to systems quickly and minimise business disruption.

  • Business interruption

    Compensates for lost revenue, additional operating costs, and the time it takes to recover after your systems go down. Whether caused by a ransomware attack, server crash, or data corruption, this protection helps you maintain cashflow and continue serving customers without financial strain.

  • Third-party liability

    Covers claims from clients, suppliers, or partners who experience losses because of a breach in your systems. This might include stolen customer data, downtime for connected services, or contractual penalties — ensuring you’re not left paying for the knock-on effects of a cyber incident.

  • Legal and regulatory defence

    Pays for expert legal advice, representation, and investigation costs following a data protection breach or regulatory enquiry. This includes support with ICO investigations, GDPR defence, and any fines or penalties that may be insurable under UK law.

  • Reputation management

    Provides access to public relations and crisis management specialists who can contain negative publicity, communicate transparently with stakeholders, and rebuild customer confidence. A rapid and professional response after a breach helps preserve your reputation and reduce long-term business impact.

Insights

Read our latest guides around Cyber Liability Insurance

Guides
Human-Centred Cyber Security: Strengthening Resilience from Within (Part 2)

Explore practical strategies to improve cyber resilience by focusing on leadership, behaviour, and building a human-centred cyber security culture.

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Building Cyber Resilience: The Future of Cyber Security (Part 1)

Explore insights from the Future of Cyber Security Conference 2025 and why human factors are critical to organisational cyber resilience.

Read More →
Cyber Awareness Month 2025: Practical Steps to Build Cyber Resilience

October is Cyber Awareness Month. Discover 10 practical steps SMEs and charities can take to reduce risk and build resilience against cyber threats.

Read More →
Cyber Insurance: Protecting Your Business in the Digital Age

Cyber insurance protects businesses from data breaches, ransomware, and online attacks. Learn what it covers, who needs it, and how much it costs for SMEs.

Read More →

Who Needs Cyber Liability Insurance?

Every organisation that stores data, uses digital tools, or communicates online faces cyber risk. Whether you handle personal information or rely on technology to operate, Cyber Liability Insurance is vital for staying resilient in today’s digital landscape.

Small and medium businesses

Increasingly targeted by phishing, ransomware, and invoice scams due to limited in-house cybersecurity resources.

Professional service firms

Handle sensitive client and financial data where breaches could lead to regulatory fines or loss of trust.

E-commerce and retail businesses

Depend on payment systems and online platforms where downtime or breaches can halt sales instantly.

Healthcare providers

Store confidential patient data, making them prime targets for hackers seeking valuable information.

Technology and software companies

Operate digital infrastructure that, if compromised, could impact hundreds of clients simultaneously.

Educational and nonprofit organisations

Manage large volumes of personal data on limited budgets, increasing vulnerability to attacks and compliance risks.

“When we faced a complex trustee liability claim, Talbot Jones didn't just handle the insurance side - they understood the governance implications and worked with our charity lawyers to achieve the best outcome. Their sector knowledge proved invaluable.”

Chair of Trustees, National Health Charity

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