Choice of cover level Up to £50,000 cover limit available Can be added to existing policies No overseas cover Have protection in place straight away Other optional extras include; employers liability, workplace contents, personal accident and portable business equipment Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' coverCyber Liability insurance is specially designed to tackle the problems associated with your computer systems, websites and emails. These issues can extend from your misuse of material, through mis-handling of data to loss and damage caused by viruses or hacking.
Not only do we provide practical support to help you deal with the immediate situation but also help with costs associated with advertising and customer contact to reinstate any loss to reputation.
In this modern world it seems almost impossible to run a business without using computers in some way or another but what happens when something goes wrong?
We all know of the constant battle against computer viruses so imagine how easy it would be for you to be targeted by one which you then inadvertently transfer via your email or website to customers or other businesses.
Employees are carefully chosen but even the best of them can have a bad day and can share some inappropriate comments about a customer or competitor or send an email with confidential information to the wrong person.
And then there are hackers who will, for fun or money, choose to hack your site causing damage or total loss, changing content or leaving inappropriate pop ups. It's happened to thousands of businesses, small to large, including the NHS and it can certainly happen to you.
So, if your business has a website, stores electronic data or uses email to correspond then you should consider this protection.
Having a comprehensive policy in place provides you with peace of mind, meaning that if the worst does happen, the best are there to help.
The cost for Cyber and Data 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
£15,000 £40 + tax
£25,000 £75 + tax
£50,000 £120 + tax
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.
Again, two options here:
1. If you are obtaining a new insurance policy with Cyber & Data Liability add-on, you will be able to choose payment by monthly instalments.
2. If you want to add this cover mid-term, you will be required to pay the whole amount of the add-on product.
Yes. With this policy in place we will be able to indemnify you in such an unfortunate scenario. The appropriate level of cover will also provide you with compensation for the advertising costs aimed to restore your reputation following such a claim.
If you have received a notification for a claim, please get in touch as soon as possible.
Short answer, yes.
Long answer, if you happen to transfer a computer virus to someone with whom you do business OR if a hacker attack was specifically targeted at you, we will pay you the necessary costs and expenses for the damages you incurred.
This policy would not cover any claims, including arbitration, brought outside of United Kingdom, Channel Islands, Gibraltar or Isle of Man.
Yes, you can add this additional protection to your existing policy at any time during the period of cover. We refer to this as a 'mid-term' adjustment.
Follow these simple steps:
Please note that the last 6 weeks of the policy are considered the renewal period and you may not make changes through the customer account during this time. Changes can still be made by contacting the office.
Once you have added an additional area of cover to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.
The answer to this question will depend on whether you:
1. want to get a quote for Professional Indemnity, Public Liability and Medical Malpractice policy including Cyber and Data cover, or
2. already have an existing policy with us and would like to add Cyber Liability cover
Answer 1
We are a fully automated process and provide all the information needed for you to make an informed decision on-line.
A quotation is available 24/7 on-line. Click on the ‘Get a Quote’ button. That will take you through the questions necessary to provide a quotation. It shouldn't take more than a few minutes and once produced you have the option to save it for later or proceed direct to purchase.
If you choose to proceed to purchase, we will collect your contact details and then request payment. Payment is by Credit or Debit Card and once authorised your policy is issued immediately. Your documents will be emailed to you for you to print and/or save.
Answer 2
If you would like to see the cost of adding this to your existing policy you can find the details on the Cost tab of the Cyber and Data page. If you start the process of adding this to your policy you will also be shown the price before you confirm you want to go ahead.
To make this change simply login to your account where you can choose the cover level you want, see the cost and proceed to payment. The amended policy documentation will automatically be emailed to you immediately after payment.
Please note that the monthly payment option is not available for this additional purchase for an existing policy.