Cyber insurance
Cyber sits in the same category as a major customer failing: low probability, ruinous cost, and survivable only if you arranged the protection before it happened. Same philosophy, different peril.
The headline value is not the payout, it is the response. A good policy puts an expert incident team on the problem within hours, then pays for the damage:
You do not need to be a tech company. The businesses we insure for credit risk are exactly the ones cyber criminals target: trading businesses moving real money on invoice terms, where one diverted payment run or one week of downtime does serious damage.
Invoice fraud deserves particular attention if you sell on credit. The same payment flows we help you insure against buyer failure are the ones attackers try to redirect. The two covers protect the same cash.
Cyber wordings vary more than almost any other commercial line: what one insurer covers as standard, another excludes in the small print. Systemic event carve-outs, war exclusions and minimum security requirements can quietly hollow out a cheap policy.
We do what we do on every line: take the risk to the whole market, read the wordings properly and show you the comparison with the trade-offs spelled out. And if your existing IT arrangements make cover hard to place, we tell you what to fix first rather than placing something that will not respond.
How it works
A focused questionnaire on your systems, controls and revenue. We help you complete it.
The full cyber market, approached with a submission that presents your controls properly.
Quotes side by side, with the exclusions and conditions that matter highlighted in plain English.
Bound with a response line you can call on day one. We stay on hand through the year and at claim time.
Customer failure and cyber are the two events that hurt trading businesses fastest. Insuring them together is usually cheaper and always more coherent.
