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HSB CyberPro | Cyber Insurance

A cyber incident response and cyber insurance policy all in one

E-trade product for Brokers and Agents

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    Comprehensive cover for micro and small businesses with an annual turnover of up to £10m/€10m

    Cyber attacks can significantly impact a business through operational disruption, financial loss and reputational damage, whatever their size or sector. Many organisations are at risk from a cyber incident at some point, with increasingly sophisticated methods, such as utilising artificial intelligence, becoming mainstream.

    Cyber insurance awareness is rising amongst businesses, but according to recent research from HSB significant preparedness gaps exist. Some businesses lack robust security protocols or don’t know how to respond in the event of a cyber incident, potentially leaving them exposed to high, unforeseen costs2.
    A woman gazing at multiple computer screens
    HSB Cyber Insurance: For SMEs with an annual turnover of up to £50m/€50m
    Our comprehensive computer, data, and cyber product all in one | Learn more

    UK

    41%

    of micro businesses

    50%

    of small businesses

    identified cyber security breaches or attacks in the last 12 months1

    Republic of Ireland

    40%

    of businesses

    experienced at least one cyberattack in the past five years3

    41%

    of Irish workers

    fear they could cause a cyberattack in the next 12 months4

    What is HSB CyberPro?

    As a leading specialist provider of engineering and technology insurance, HSB CyberPro is a commercial solution to support businesses that rely on electronic devices and digital computer systems to process data. HSB CyberPro provides comprehensive coverage to protect against loss or damage from cyber risks, data breaches and IT system vulnerabilities which could be detrimental to a business and its reputation.
    Help when it's needed. 24/7 access to expert support when businesses suspect or experience a cyber incident.
    Mat Prentice
    Cyber Product Leader - HSB
    The policy provides access to 24/7 assistance through the provision of incident response services. Should a suspected cyber incident occur, cybersecurity experts will quickly respond and provide technical assistance, impact mitigation, and ongoing support to identify, contain and resolve the issue.

    Who is the cover for?

    HSB CyberPro is specifically designed for micro and small businesses with an annual turnover of up to £10m/€10m. For businesses with an annual turnover greater than £10m/€10m, explore our non e-trade product > HSB Cyber Insurance.

    55%

    of businesses expect to suffer a cyber attack within the next 12 months **

    84%

    of businesses anticipate a negative impact from a cyber incident **

    62%

    of businesses would contact external technical experts first when seeking support for a suspected cyber incident **

    Explore our six sections of cover

    Section 1: Cyber incident response service

    Immediate 24/7 access, 363 days a year, to expert help when a business suspects or experiences a cyber incident, like a phishing email, ransomware, or suspicious system activity.

    Cover includes:

    • Technical assistance to investigate computer systems
    • Incident containment to stop a data breach from spreading
    • Impact mitigation to limit any damage and protect systems in the future
    • Ongoing support through recovery and resolution

    Section 2: Computer system damage

    Financial protection and expert support when a business's computer systems are damaged due to a cyber event. The policy includes three distinct areas of cover, each addressing a different stage of recovery and resilience.

    Cover includes:

    • Computer system reconfiguration, including the cost of restoring data
    • Computer virus locating and removal
    • Consultancy costs on virus and hacking prevention

    Section 3: Loss of business income and extra costs

    Covers losses when a cyber event disrupts a business’s ability to operate, including additional expenses incurred to mitigate disruption and restore operations after a cyberattack.

    Cover includes:

    • Loss of business income
    • Extra costs to minimise disruption to a business’s computer system

    Section 4: Cyber crime

    Covers losses sustained by criminal cyber activities, including fraud, telephone system hacking, and cyber ransom demands.

    Cover includes:

    • Financial loss resulting from fraudulent use of data in a computer system
    • Payments due to a telephone service provider resulting from hacking
    • The cost of responding, and if we agree in writing, the payment of a ransom demand

    Section 5: Data-breach expense

    Covers losses following the failure of a business to keep to its data privacy obligations which can lead to fines, lawsuits and reputational damage.

    Cover includes:

    • Consultancy costs to investigate the breach and provide guidance
    • Notification costs to affected parties and regulators
    • Costs of credit file monitoring, identity theft assistance and a helpline to affected parties
    • Public relations costs to minimise reputational damage

    Section 6: Cyber liability

    Covers damages and defence costs associated with cyber liability resulting from a cyber event, such as data breaches.

    Cover includes:

    • Damages and costs:
      • Data privacy
      • Virus transmission
      • Defamation and disparagement

    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.

    What does our cyber incident response service cover?

    HSB’s cover provides businesses with immediate access to expert support via a dedicated helpline or email when they suspect or experience a cyber incident.

    24/7 incident response

    Our incident response services are available to businesses 24/7, 363 days a year, with no excess and can be used unlimited times during the policy period. Incidents can sometimes be resolved prior to a claim.

    Technical assistance

    An expert will investigate a business’s systems to establish whether a data breach has occurred, how it happened and what data has been compromised.

    Incident containment

    If a data breach is confirmed, support is provided to help isolate affected systems, disable compromised accounts, and block further unauthorised access.

    Impact mitigation

    Once a breach is contained, support is provided to secure a business’s systems to prevent future breaches, such as updating software and improving access controls.

    Ongoing support

    Support is provided until the issue is fully resolved, including continued guidance through recovery and next steps.

    How do I access the cover?

    HSB CyberPro is available solely via the > HSB Fast Track and Acturis e-trade platforms.
    Request a live e-trade demonstration
    HSB CyberPro in action
    The following examples demonstrate the types of incidents that are covered under the HSB CyberPro insurance policy.
    A group of employees examining a laptop screen
    © Getty Images/Jelena Danilovic
    Phishing email
    A plumbing and heating firm receives an email, appearing to be from HMRC, requesting urgent payment. The business owner is unsure whether it's genuine and calls the HSB Incident Response Team. The case manager confirms it’s a phishing attempt and advises on blocking the sender, checking for malware, and alerting staff. No financial loss or downtime is experienced.5
    A plumber fixing a pipe beneath a sink
    Suspicious system activity
    A hair salon is unable to access its appointment booking system and their clients' contact details. The HSB Incident Response Team investigates and identifies a malware infection. They guide the business owner through containment and recovery steps, preventing further disruption to enable the salon to quickly return to trading.5
    A hair salon, with chairs.
    © Getty Images/Alberto Gagliardi
    Ransomware threat
    A small marketing agency receives a message that their files have been encrypted and a ransom is demanded. The HSB Incident Response team helps assess whether the threat is real, advises on police reporting, and supports containment and recovery. The agency avoids paying the ransom and restores operations with minimal disruption.5
    A number of office workers gathered around a laptop.

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    Brochures

    UK
    Product Brochure
    PDF, 3 MB
    Ireland
    Product Brochure
    PDF, 3 MB

    Policy documentation

    UK
    Policy Document
    PDF, 302 KB
    UK
    Insurance Product Information Document
    PDF, 179 KB
    Ireland
    Policy Document
    PDF, 307 KB
    Ireland
    Insurance Product Information Document
    PDF, 179 KB

    Useful links

    Access HSB Fast Track Contact our E-Trade Team
    1 Gov.UK Cyber security breaches survey - June 2025. 2 HSB cyber security commercial research conducted in August 2025 with 600 UK SMEs. 3 CyberPulse Ireland 2025 survey - IT.ie 4 Digital Trust Insights Survey 2025 - PwC 5 Case studies are for illustrative purposes only.