£25,000 Cyber Liability Insurance
Complimentary cyber insurance protection automatically included with your Cyber Essentials certification—no additional cost, no extra paperwork.
Comprehensive Protection
Your £25,000 cyber liability insurance covers the most common cyber risks facing UK businesses
Coverage for claims arising from the unauthorized disclosure of private or confidential information, including customer data, employee records, and business-sensitive data.
Protection against claims due to failures in computer systems that lead to the transmission of malicious code, viruses, or denial of service attacks affecting third parties.
Coverage for defense costs and regulatory fines associated with data protection proceedings, including ICO investigations and GDPR-related penalties.
Coverage for expenses related to cyber extortion threats, including ransomware attacks, with support for negotiation, payment, and recovery costs.
Compensation for lost income and extra expenses incurred when a cyber incident disrupts your business operations or prevents access to critical systems.
Coverage for public relations expenses, notification costs, and credit monitoring services for affected individuals following a data breach incident.
Why This Insurance Matters
Understanding the value and benefits of your cyber liability coverage
Automatic Coverage
Insurance activates automatically upon achieving Cyber Essentials certification—no additional applications or underwriting required.
No Excess Fees
Zero excess or deductible on claims, meaning you receive the full policy benefit without any upfront costs.
12-Month Protection
Coverage runs for the full 12-month duration of your Cyber Essentials certificate, with automatic renewal upon recertification.
Legal Support
Access to specialist cyber insurance lawyers who can guide you through the claims process and regulatory requirements.
Important: Certification Required
This insurance is exclusively available to organizations holding a valid, in-date Cyber Essentials certificate. If your certificate expires or is revoked, insurance coverage automatically terminates.
To maintain continuous protection, you must renew your Cyber Essentials certification annually before the expiry date.
Making a Claim
Simple, straightforward claims process when you need support
Incident Occurs
A cyber incident affects your business—data breach, ransomware attack, or system failure.
Notify Insurer
Contact the claims team through your IASME portal to report the incident and receive initial guidance.
Assessment
Claims assessor reviews your Cyber Essentials status and incident details to determine coverage eligibility.
Support & Resolution
Receive financial coverage for eligible costs and professional support to resolve the incident and restore operations.
Act Quickly
Cyber incidents require prompt action. Report claims within 72 hours of discovery to ensure full coverage and receive immediate support from the claims team. Delayed reporting may affect your claim eligibility.
Policy Exclusions
Understanding what is not covered under this policy
Like all insurance policies, certain circumstances and types of loss are not covered. Common exclusions include:
- ✕Prior or pending litigation known before policy inception
- ✕Fines or penalties that are uninsurable by law
- ✕Bodily injury or property damage claims
- ✕Intellectual property disputes
- ✕Contractual liability assumed under agreement
- ✕Intentional or criminal acts by insured parties
This is not an exhaustive list. Please refer to the full policy documentation provided by IASME upon certification for complete terms, conditions, and exclusions.
Need Higher Coverage Limits?
While £25,000 provides essential protection for most small businesses, larger organizations or those handling significant volumes of sensitive data may require additional cyber insurance coverage.
We can connect you with specialist cyber insurance brokers who can provide policies from £100,000 to £10,000,000+ tailored to your specific risk profile.
Discuss Higher Coverage OptionsGet Protected Today
Achieve Cyber Essentials certification and receive £25,000 cyber liability insurance automatically—comprehensive protection in one simple step.