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Cyber insurance

Comprehensive solutions for micro, small, and medium businesses' cyber risks

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    Data breaches - the theft, loss or mistaken release of private information - aren’t just a big business problem

    Micro, small, and medium businesses with fewer data security resources are particularly vulnerable to data breaches. Whilst their data losses may not make the headlines, the potential financial cost and reputational impact of a cyber incident can be crippling.

    As all businesses could be at risk from a cyber attack or data breach by hackers, viruses or errant employees, having specific insurance coverage in place to mitigate a cyber event can reduce its impact on a business from a financial, reputational and business interruption perspective.

    41%

    of micro UK businesses

    50%

    of small UK businesses

    67%

    of medium UK businesses

    identified cyber security breaches or attacks in the last 12 months.1

    What is cyber insurance?

    Cyber insurance is designed to offer protection from cyber risks which could be damaging to a business and its reputation. Key considerations for businesses when choosing cyber insurance are whether the policy provides:
    • Cover for the costs of dealing with data breaches
    • Cover for the costs of dealing with cyber liability claims
    • Cover for business losses from a cyber event
    • Cover that helps businesses deal with the impact of cyber crime
    • Cover for hardware and data corruption
    • Access to expert advice and support when an incident occurs

    What types of cyber insurance can HSB provide?

    Why consider cyber insurance from HSB?

    • Cover designed specifically for micro, small, and medium businesses
    • Cover provides protection for a range of first and third party exposures and offers broad cover at a competitive price
    • Virus, hacking or denial of service attack is not excluded as an act of terrorism
    • Full claims support provided by HSB following an incident
    • Cover will pay for professional support to help businesses who are the victim of cyber crime with the threat of damage to their computer system by virus, hacking or disclosing of data
    • Clear and easy to understand policy wording
    • Insurer with international experience and expertise in computer and cyber insurance

    UK-based arm of
    HSB Group

    The equipment breakdown insurance and inspection market leader since 1866.

    Part of
    Munich Re

    A world leader in risk solutions, consistent risk management, and financial stability.

    Rated A++ (Superior) by
    A.M. Best Company

    Financially strong and stable.

    Member of the Institute of
    Customer Service

    Demonstrating our commitment to continually improving customer service performance and professionalism.

    HSB is committed to providing a superior customer experience through our specialist claims service
    HSB Claims Team

    Frequently asked questions

    Cyber insurance is designed to offer protection from cyber risks which could be damaging to a business and its reputation.
    We can write cyber risks for numerous business types. To view our cyber insurance underwriting appetite, visit the relevant cyber insurance product:
    No - we can provide cover within the UK, Republic of Ireland, Isle of Man, and the Channel Islands.
    As a leading specialist provider of engineering and technology insurance and inspection services, we have international experience and expertise in computer and cyber insurance, drawing on our vast expertise to provide cover able to meet micro, small, and medium businesses' insurable cyber risks.
    1. Cyber Security Breaches Survey 2025 - Department for Digital, Culture, Media & Sport - UK Government