Review incident response, data exposure, operational downtime and liability with your existing security controls.
01What sensitive data do you handle?
02Do you use MFA and tested backups?
03What would one day offline cost?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
Use multi-factor authentication, maintained systems, restricted access and independent backups. Test restoration and train staff to recognise payment and credential fraud. Insurance does not restore an untested backup or correct weak access controls; the application may make these safeguards conditions of cover.
Compare incident-response specialists, forensic work, restoration, notification support and covered interruption. Separate your own recovery costs from liability to clients or other parties. Check ransomware, payment fraud, outsourced systems, territorial scope and sublimits explicitly.
Keep the insurer’s emergency contact outside your main IT system. Clarify prior-approval requirements for experts and spending, evidence preservation and reporting. Align the policy waiting period with your recovery plan and simulate a day without email, billing or production systems.
| Option or layer | What to understand and check |
|---|---|
| Own costs | Response, restoration and interruption if insured. |
| Third-party liability | Covered claims linked to the incident. |
| Fraud / ransomware | Check separate extensions, exclusions and sublimits. |
Not necessarily. Retention and synchronisation may not protect against deletion or ransomware. Use independent backups and test restoration.
Insurance complements security controls and does not replace them.
Check incident services, ransomware terms, exclusions and supplier outages.
Underwriting depends on controls, sector and the information provided.
A practical review of MFA coverage, patch management, privileged accounts and insurance declarations, with a hypothetical scenario and a contract comparison framework.
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A practical review of changes in turnover, systems, sensitive data and security maturity, with a hypothetical scenario and a contract comparison framework.
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A practical review of remote administration, contractor accounts, unmanaged devices and privileged permissions, with a hypothetical scenario and a contract comparison framework.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
A free first conversation. A real person. A plan for what comes next.
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