Cyber Insurance
Cyber threats aren’t just a problem for big corporations. If your business uses email, stores customer data, takes card payments or relies on IT systems, you’re a potential target. Our cyber insurance policies are built to protect businesses against the growing risks of hacking, ransomware, fraud and data breaches.
From cyber liability cover to data recovery, commercial crime and business interruption, we’ll help you create a cyber risk policy that’s tailored to your sector.
What Does Cyber Insurance Cover?
Every policy is different, but most of our cyber risk insurance policies can include:
- Commercial Crime – fraudulent activities relating to money transaction in or out of your business bank account
- Data breach response costs – covering investigations, notifications, credit monitoring and legal advice
- Third party liability – includes the cost of informing clients, defending legal claims and paying settlements
- Data recovery & system restoration – to help you get back online quickly after an attack
- Cyber extortion – protection against ransomware threats and payment demands
- Regulatory fines and penalties – if you're found in breach of data protection laws
- Business interruption – covers lost income caused by a cyber-attack or system outage
- PR support & reputational damage – includes crisis communications to help protect your brand
- Ransomware – covering both prevention advice and financial recovery from an attack
Whether you’re running a law firm, e-commerce site, medical practice or marketing agency, cyber liability cover gives you vital peace of mind in a world where digital threats are an ever increasing occurrence.
Who Needs Cyber Risk Insurance?
We recommend cyber insurance for any business that:
- Holds personal or financial data on customers, staff or suppliers
- Uses cloud storage, email or web-based systems
- Takes payments online or processes sensitive information
- Could suffer financially from IT downtime or a hacked system
- Has contractual or regulatory obligations around data security
- Anyone connected to the internet
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What's the difference between cyber insurance and data breach insurance?
Cyber insurance is broader. It includes data breach insurance, but also covers other risks like ransomware, system damage and social engineering scams.
Do I need cyber liability cover if I already have business insurance?
Standard business insurance won’t usually cover cyber risks. You’ll need a specific cyber policy for those threats.
Is social engineering covered by cyber insurance?
Yes. Many policies include protection against scams where employees are tricked into transferring money or sensitive data.
Will my cyber insurance cover GDPR fines?
Some policies include cover for certain regulatory fines and penalties, depending on the circumstances.
Does this cover ransomware attacks?
Yes. Most cyber risk insurance policies include both technical support and financial cover for ransomware incidents.
Can it help with reputational damage after a breach?
Yes, many policies include access to crisis PR experts and media management support.
What happens if we suffer downtime due to an attack?
Cyber Business interruption cover can compensate for lost income.
Does cyber insurance cover third party legal claims?
Yes. That’s what cyber liability cover is for, helping with legal defence, and any claims brought by third parties resulting from a cyber-attack.
Do you provide cyber insurance for businesses in Dorset?
Yes. We work with companies across Dorset, including Bournemouth, Poole, Christchurch, Ringwood, Weymouth and Dorchester, providing tailored cyber insurance and data breach cover.
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Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk