Professional cover
Cyber insurance for online businesses
The cost of unplanned downtime can be devastating to online businesses. If your website is everything, cyber cover is a must.
Cyber insurance quote
What is cyber insurance?
Cyber insurance is designed to cover a wide range of risks that come with using computers and holding data.
- Denial of Service attacks
- Hacking, extortion and ransomware
- Lost income and data restoration
- Privacy breaches
- Cybercrime
- Malware
Get insurance for your online business in less than 10 minutes
Change or cancel cover at any time. No penalties.
Why is cyber insurance important for online businesses?
Extortion, hacking and ransomware
if your data is encrypted and held ransom by a hacker, they'll likely demand ransom payment - in Bitcoin. We'll cover damages and extortion payments, as well as costs associated with defending, negotiating and settling your claim.
Business interruption
You're dependent on the smooth-running of your website - particularly if you're an online business. Whether it goes down due to a DDoS attack, an unexpected server outage or a ransomware attack, our cover will reimburse income lost. Also, if, as a result of a security breach, your data were lost or stolen, we'd pay for it to be restored.
Media liability
Anything you publish online is subject to scrutiny. Accidental use of a trademarked slogan or image could lead to a costly claim against you. Our cyber cover includes media liability, to protect you against the repercussions of mistakes like this.
Customer data
Like any business, you'll hold customer or client data. Personally identifiable information is subject to the GDPR and a simple mistake could lead to an expensive data breach. Our cover includes a 24-hour breach helpline, and we'll provide you with legal, IT security and PR support.
What other cover should I consider for my online business?
Product liability
Product liability insurance comes part and parcel with our public liability cover. It's an important cover for any business selling products, whether you're a B2B, B2C, manufacturer, supplier or retailer.
Employers liability
If your business employs anyone at all - whether full or part-time - employers liability is a legal requirement. Not having employers liability in place can result in a £2,500 fine for every day you don't have it.
Professional indemnity
If your business offers advice, consultation or provides a professional service like software development, you'll want to think about professional indemnity insurance (PI). PI covers you for claims against you if one of your clients suffers a financial loss as a result of your professional service.
Contents and equipment cover
Whether you're based in an office, co-working space, or a fully remote team, you'll have valuable business equipment such as computers and smartphones that you may want to consider protecting with business contents cover.
Directors & officers insurance
Directors & officers insurance, also known as management liability insurance, covers those with management responsibilities for claims against them personally, including misrepresentations in a pitch deck, or errors in financial reporting.
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Cyber insurance for online businesses FAQs
What does a cyber insurance policy cover?
Cyber insurance covers a wide range of risks your business faces when holding data or using systems and computers. Our Cyber cover is designed to protect you from data breaches involving personally identifiable information, extortion and ransomware attacks, business interruption your business could face as a result of an unexpected server outtage and even cyber crime.
At Superscript, we provide a full breach response service that gives you access to experts who can assist you with a security breach, every step of the way.
What is personally identifiable information?
Personally identifiable information (PII) is any data which could be used to identify a specific person. This could be as simple as a name, physical address, email address or as sensitive as health or financial information.
How much does cyber insurance cost?
Our cyber insurance starts at £10.79 per month, but this will vary according to the cover your business needs.
What is the excess on this policy?
The excess on this policy is from £500.
Customise your cover
To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.
Essential covers
Essential for all businesses needing protection against bodily injury and lost or damaged property.
Professional covers
Protect against risks associated with the professional services you provide and the way you market your business.
Management cover
Protect your management and shareholders against the operational risks associated with running a company.
Boost your cover from £10.08 per month
Legal protection insurance
Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.