Cyber Insurance

Cyber insurance covers the losses relating to damage to, or loss of information from, ICT (Information and Communications Technology) systems and networks. Generally cyber risks fall into “First-Party” and “Third-Party” risks. Insurance products exist to cover either, or both, of these types of risk.



First-Party Cyber Insurance

First-party insurance covers your business’ own assets. This may include, but not be limited to, the following:

→  Loss, or damage, to digital assets such as data or software programmes.

→  Business interruption from network downtime.

→  Cyber exhortation, where third-parties threaten to damage, or release, data if money is not paid to them.

→  Customer notification expenses when there is a legal, or regulatory, requirement to notify them of a security or privacy breach.

→  Reputational damage arising from a breach of data that results in loss of intellectual property or customers.

→  Theft of money, or digital assets, through theft of equipment or electronic theft.



Third-Party Cyber Insurance

Third-party insurance covers the assets of others, typically your customers. This may include, but not be limited to, the following:

→  Security and privacy breaches, and the investigation, defence costs and civil damages associated with them.

→  Multi-media liability, to cover investigation, defence costs and civil damages arising from defamation, breach of privacy or negligence in publication in electronic or print media.

→  Loss of third-party data, including payment of compensation to customers for denial-of-access, and failure of software or systems.


Claim Management Services can assist you in any Cyber-Risk claim.

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