Cyber & Technology.

Yes. Even organisations with mature cyber security frameworks remain exposed to human error, third-party failures, zero-day vulnerabilities, and regulatory action. Insurance remains essential because it provides financial protection, expert incident response and legal support for breaches that technology controls can’t fully prevent.

Cyber Insurance responds to cyber events, such as ransomware, data breaches, business email compromise, or system outages, covering both your own loss and third-party losses. Tech E&O provides protection against errors or omissions in your products or services. For any business that builds, delivers, or relies on technology, Tech E&O protects the service you provide; Cyber Insurance protects the environment you operate in. Together, they form a complete risk framework.

Yes. Cyber policies can cover ransomware response costs, specialist negotiators, system restoration, and ransom payments where legally permitted, subject to policy terms.

Cover typically includes forensic investigation, legal advice, notification costs, credit monitoring, regulatory defence, PR support, and third-party liability claims arising from compromised data.

Yes. Cyber Business Interruption cover can respond to lost income and increased operating costs following system outages or network failures caused by insured cyber events.

Many policies include contingent or supply-chain cyber cover, responding to losses caused by cyber incidents impacting critical vendors, MSPs, or cloud service providers.

Yes. Any organisation that relies on digital systems, processes payments, stores personal data, or depends on connected suppliers faces cyber exposure, regardless of industry.

Coverage can be structured to include losses from phishing, invoice fraud, and impersonation attacks, often through crime or social engineering extensions.

Yes. Policies often provide immediate access to incident response teams, including forensic specialists, breach counsel, and crisis communications experts.

Programs are structured based on technology dependency, data sensitivity, customer impact, revenue exposure, and whether the organisation is a technology provider or technology user.