Cyber Liability
Insurance

Do you need it!

Today running a business without computers is nearly unthinkable.

But what if things go wrong? Viruses can easily infiltrate your system, potentially spreading to customers or partners through your emails or website. Even the most reliable employees can make mistakes, like sending sensitive information to the wrong person or making inappropriate comments online. Hackers, motivated by mischief or profit, might target your website, leading to data loss or unwanted content.

If your business relies on a website, handles electronic data, or communicates via email, it's wise to consider protective insurance. A comprehensive policy offers peace of mind, ensuring support is on hand if you face these digital dilemmas.

Jargon Busting

• Cyber extortion: a demand for money or something else of value in exchange for not carrying out a threat to commit harm to computer systems
• Computer system: your own computer network, including any third party software programs and portable media or computer devices
• Hacker: anyone who specifically targets you and gains access to your website via the internet or other external electronic link, solely by electronically circumventing the security systems in place to protect against such access
• Infringement: any actual or alleged unauthorised use or violation
• Intellectual property: any intellectual property, including a trademark (including collective or service mark), a certification mark, trade name, trade dress, trade secret, copyright or passing off or link to or framing of another page. However, this does not apply to any domestic or foreign patent or patent-related rights
• Breach of privacy: any computer-related unauthorized collection, use or disclosure of non-public personal information as established by law
• Programme: a set of instructions written in a computer language that tells a computer how to process data or interact with ancillary equipment
• Security: breach any actual or alleged failure to prevent unauthorised access to or use of any computer, software, network or electronic information system
• Virus: programmes that are secretly introduced without your permission or knowledge including but not limited to malware, worms, trojans, rootkits, spyware, dishonest adware, crimeware and other malicious unwanted software
• Website: any website(s) where you have full control over the content and which you operate for the promotion of your business. Also includes its domain name, metatags and hyperlinks and the marketing and advertising of your business contained therein

How much will it cost?

The cost for Cyber Liability is as little as £40 per year or £3.33 per month plus tax. When you think that's about the same as a cup of coffee each month to keep your business safe from malicious attack, then it's worth every penny.

You are also able to choose the cover level to suit your needs:

For a new policy

Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.

Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.

1. Click on the 'Get a Quote' button.
2. Choose to include the Cyber Liability Protection option.
3. See the quote straight away on screen, and you can either save it for later or continue on to purchase.
4. Once the payment is processed, the policy documents are immediately emailed to you.

To add to an existing policy

1. Simply login to edit your policy online
2. Adding the desired coverage
3. Confirm the change
4. Make payment

Please note that you cannot make changes to the policy during the renewal period which starts 6 weeks prior to expiry. If you need to make a change during this time please contact us on 01305 839939.