Incident response
Access to specialist support such as forensic IT, legal advice, breach response and communications following a covered incident.
Dixons Commercial Insurance Brokers · Insurance product
Cyber Insurance
Insurance options and incident support for businesses exposed to cyber attacks, data breaches and technology disruption.
Discuss this insuranceAt a glance
Who is this product for?
Businesses that rely on digital systems, process personal or commercial data, use cloud services, accept online payments or depend on technology to deliver products and services.
Explore your options
What can it cover?
Cyber insurance may combine incident response services with cover for specified first-party losses and third-party liabilities following an insured cyber event. Depending on the product, this can include forensic support, legal advice, data restoration, cyber business interruption, cyber extortion response and privacy or network security liability. Security controls and policy conditions are central to underwriting.
Build the right protection
Cover options to explore
Explore some of the insurance sections that may be relevant to your business. The options available will depend on your activities and the markets we approach.
Data and network security liability
May respond to certain claims alleging failure to protect data or maintain network security, subject to the policy.
Privacy breach costs
May cover specified costs following a covered personal data breach, including notification and support costs where insured.
Cyber business interruption
May cover defined loss of income following an insured interruption to computer systems, subject to waiting periods and policy triggers.
Data restoration
May cover specified costs to restore or recreate electronic data following an insured cyber event.
Cyber extortion response
May provide specialist response and cover for certain extortion-related costs where lawful and permitted by the policy.
Real-world scenarios
How could insurance help?
Examples of situations businesses may face, and the types of cover that may be worth discussing with a broker.
A ransomware attack encrypts business systems
Staff cannot access key systems and specialist support is needed to investigate and restore operations.
Cover to discuss: Incident Response, Data Restoration and Cyber Business Interruption, where triggeredCustomer data is accessed without authorisation
A business discovers a breach involving personal information and needs legal, forensic and notification support.
Cover to discuss: Privacy Breach Response and Network Security Liability, where insuredA supplier cyber incident disrupts operations
A critical technology provider suffers a cyber event that interrupts the insured business.
Cover to discuss: Dependent Business Interruption, if selected and triggeredA fraudulent email requests a payment transfer
An employee is deceived into sending funds to a fraudulent account.
Cover to discuss: Funds Transfer or Social Engineering cover only if specifically included and conditions are metA customer alleges a failure to protect data
A third party alleges loss arising from a covered data or network security failure.
Cover to discuss: Privacy or Network Security Liability, subject to wordingA cyber incident damages electronic data
Business-critical files need to be restored following an insured event.
Cover to discuss: Data Restoration, where includedThese are illustrative scenarios, not actual Dixons customer claims or confirmation that a policy will respond. Any claim is assessed against the policy terms and circumstances.
More ways to protect your business
Additional options
Depending on the nature of your business, there may be further areas of protection worth exploring. These options are not included automatically and availability varies between insurers.
Good to know
Frequently asked questions
Some useful starting points about this type of insurance. If you have a specific question about your business, speak to our team.
Does cyber insurance cover ransomware?
Some policies include incident response, data restoration and cyber extortion response for specified events. The definition, consent requirements, sanctions restrictions and exclusions must be checked.
Does it cover GDPR fines?
Fines and penalties are not automatically insured and may be uninsurable by law. Policies may provide certain defence costs or regulatory support, subject to wording.
Will it pay if a supplier is hacked?
Dependent business interruption may be available for specified suppliers, but the supplier and trigger may need to be named or meet policy criteria.
Does cyber insurance include IT support?
Many products provide access to incident response specialists after a covered event. The services, limits and circumstances are policy-specific.
Are fraudulent bank transfers covered?
Some policies offer funds transfer or social engineering extensions, but these can have strict verification requirements and sub-limits.
Do I need MFA and backups?
Insurers commonly ask about security controls such as MFA, backups, patching, endpoint protection and access management. Insurance does not replace good cyber security.
What information will a broker need?
Revenue, systems, data types, locations, cloud providers, security controls, backups, MFA, suppliers, previous incidents and business continuity plans.
Is cyber cover included in my office or combined policy?
Comprehensive cyber protection should not be assumed to be included in property or office insurance. It may need a separate policy.
Speak to a commercial insurance broker
Let's talk about your business.
Tell us about your work and we'll explore the insurance options available across our markets.
Contact Dixons → 01727 736 970Product information is a general guide. The options available depend on your business and the insurance markets approached.