Cyber liability insurance

Comprehensive cover for digital businesses.

Digital Risks offers fast, effective and commitment free insurance for digital businesses.

Cyber Liability Cover

Better cover. Best prices.

More data was created in the last two years than in the whole of the history of humanity. That's pretty crazy, right?

The sheer volume of data, combined with more sophisticated cyber attacks, mean data breaches are becoming more frequent and sensitive information is ending up in the wrong hands.

Cyber and data risks insurance is designed to support and protect your business if it experiences a data breach or is the subject of an attack by a malicious hacker that affects its computer systems.

Digital Risks have designed specialist cover for the specific threats that digital businesses like yours face.

Cyber Liability Cover

from £18.37

/month 1


  • Pay by the month
  • Change your cover anytime
  • Access to specialists
  • Copyright breaches

1 Includes insurance premium tax

Why cyber liability insurance?

Cyber threats

Cyber-attacks and data breaches are on the rise and digital businesses are prime candidates. One click on the wrong email and you could face legal fees, compensation claims and financial losses due to system downtime and reputational damage. If that happens, cyber liability insurance will pick up the bill.

GDPR legislation

In May 2018, the General Data Protection Regulations (GDPR) came in to force, with more requirements for safeguarding customer data. Fines for non-compliance also increased to up to €20m or 4% of annual turnover – whichever is higher. Our cyber liability policy covers notification costs, legal fees as well as civil penalties.

A fast response

An effective response plan means you'll recover from a breach more quickly, with minimum impact to your business and customers. Our cover gives you access to a first response package, with legal, IT forensics and PR support. Having a response in place is a requirement under the GDPR.

Find out more about cyber liability insurance.

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

But don't just take our word for it. Leading digital companies, large and small, choose Digital Risks to protect their people and businesses.

Digital Risks make insurance easy!

Hassle-free insurance

Arrange your business insurance in minutes, by getting a quote and buying your policy online. No confusing forms or jargon, just plain English and a fast, seamless experience.

Flexibility and growth

Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. No more annual contracts, it's insurance that grows with your business.

Making a claim

Need to make a claim? With Digital Risks, it's a piece of cake. No outsourcing to third parties or lengthy delays, all claims are handled by our team personally and on a first-name basis.

Cyber liability insurance FAQs

What Is Cyber Liability and what does it cover?

Cyber attacks and data breaches are among the biggest risks facing businesses, with two in five micro-small businesses and two thirds of medium-sized businesses hit in the last year. The fall-out from an attack can be seriously damaging, ranging from the loss of sensitive client data, to system downtime, damage to your infrastructure, or fines under the new GDPR. If that happens, cyber insurance will have your back, covering any legal claims, compensation, fines and other associated costs.

Time is of the essence when you’re hit by a cyber attack, which is why cyber cover can also help you to respond quickly and effectively. With Digital Risks’ cyber cover you have access to a first response package, which includes legal, IT forensics and PR support, plus a customer call centre and credit monitoring service, all on hand whenever you need them.

Is it mandatory to take out Cyber Liability insurance?

It is not legally required (yet), but the risk of being hit by a cyber attack is at an all-time high. Let’s be clear: no one is safe from a hackers and cyber criminals these days. Any business that has some digital presence is a potential target, no matter how big or small.

What kind of businesses do you provide cover for?

Digital Risks covers a broad range of business types. Whether you have an established company, a small startup, or you work as a contractor or freelancer, we can certainly take care of you. When you start an online quote, just start typing the first few letters of your business activity and our system will do the rest. And if it’s not on the list, give us a call and we’ll sort you out with a tailored policy.

What businesses are at risk of a cyber attack?

It might be big brands that hit the headlines, but small and medium sized businesses are just as likely to fall victim to cyber attacks and data breaches, if not more so. SMEs are often seen as a soft target, as they have fewer resources to put towards the technology and skills they need to stay safe. Plus they’re busy, which means security practices can often get overlooked.

How can I prevent a cyber attack?

There’s lots you can be doing to prevent a cyber attack on your business, such as installing antivirus programs and security software, implementing a cyber security policy and training your employees on best practice. However, sadly, all the technology in the world isn’t enough to ensure you’re completely safe from hackers.

Think of Cyber Liability Insurance as a digital version of professional indemnity cover. You and your team need to do everything possible to stay safe, but oversights happen. And when they do, a cyber policy is your last line of defence.

What is not covered by Cyber Liability insurance?
What are the levels of this cover and how much will it cost me?

The level of cover you need to take out will depend on the amount and type of data you hold, the scope of your IT framework and the number of devices being used to access your systems..

To calculate your cover, we’ll therefore need to know the number of people (clients or customers) you have any identifiable data on, including names, contact details,and financial or medical records. This will help us to understand the risk that a cyber attack or data breach would pose to your business and your customers.

Our calculations also take into account the industry you operate in, the likelihood of an incident, and the procedures and security in place to prevent it.

How can I pay for my cover?

At Digital Risks, we don’t like to put constraints on anyone, especially our customers. All of our policies are sold as flexible pay-monthly subscriptions, helping you to manage your cash flow, and giving you the freedom to change or cancel your cover at any time.

How do I get an invoice?

Invoices for your monthly payments are available on request, so all you need to do is give us a call (or drop us a line), and we’ll get the requested documents sent out to you as quickly as possible. Alternatively, we can set up your account so that you automatically receive these on a monthly basis.

How can I make changes to my Cyber Liability policy or make a claim?

Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. We know that small businesses can grow and change quite frequently, which is why we made it incredibly easy to amend your policy.Just get in touch with us by phone, email, or webchat in the bottom right corner of this page.

Same goes for making a claim. We won’t burden you with unnecessary process and paperwork. All you need to do is let us know what happened and we’ll sort everything out as quickly as possible. Simple.

What excess would I need to pay?

Our online Cyber Liability policy has a standard excess of is £2500 per claim. All other expenses and costs will be covered on our side. Please be aware, however, that for offline advised clients who have tailormade policies, the excesses do vary depending on the risk.

How do I know if my business has been hacked?

You might not always be able tell that your systems have been hacked, however there are a few telltale signs. It’s important to stay vigilant and if you notice any of the signs below, the first thing for you to is let us know.

If your business has become a victim of ransomware, all or some of your files will be locked and you will receive a message requiring you to perform certain actions, or pay a fee to unlock your systems. In this situation, we would advise not to give in to the hackers’ demands and get in touch with us immediately.

Another less obvious example is when your mouse starts moving outside your personal control, as if a third party is controlling it from elsewhere. It could well be a bug, but it’s better to disconnect the device from your network and run a virus scan, to be on the safe side.

Some files on your computer may become encrypted for no apparent reason and restrict you from accessing them. This is also a sign of a cyber breach and may result in ransom demands when you try to open the affected data.

What are the main types of cyber attacks to be aware of?

Hackers and cyber criminals are always coming up with new ways to sneak through your systems. Here are some of the most common threats to be aware of...

1. Phishing

One of the easiest ways to infect your systems, phishing involves the attacker sending out emails to multiple recipients, posing as a reputable company. The email will either contain malware in a link or attachment, or will prompt the recipient to enter sensitive account or password details, enabling their PC or accounts to be hacked. The best way to stay safe? Don’t open strange emails from people you don’t know. And most importantly, don’t click on or download any suspicious links or files.

2. Ransomware

The name speaks for itself. After infecting your hardware, ransomware kidnaps your information and won’t release it without a considerable ransom payment. Like phishing it’s avoidable by refraining from dodgy emails, links and downloads. Also, remember to install any software patches and updates as soon as they become available, to ensure any vulnerabilities are plugged.

3. Social engineering

When it comes to cyber-attacks, technology is just part of the picture, with the majority of breaches also involving some sort of social engineering, where your employees are manipulated to get access to your systems. The statistics show that plenty of businesses fall for it, with the Federation of Small Businesses (FSB) estimating that these tactics cost small businesses over £5bn each year.

Fingers crossed you never brush with any of these cyber nasties, but if you do, our cyber cover will be there, helping you to respond effectively, as well as covering ransom and legal expenses, plus any profit losses you incur due to the incident.

What else do I need?

Though it isn’t a legal requirement, the chances of becoming a victim of a cyber crime mean cyber insurance is fast becoming a business essential. And while it won’t prevent your business from being hacked, it will protect you from the repercussions and costs that will inevitably follow.

Alongside cyber, don’t forget that if you have people employed in your business, you’re legally required to take out Employers' Liability Insurance. And with Digital Risks, however, EL comes as a package with both Public and Product Liability cover, too.

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   Other insurance providers didn't really understand start-ups. We were looking for a tailored approach to suit our business needs and were recommended to Digital Risks!

CEO & Founder



Excellent 9.4 out of 10