Cyber insurance for Ayr businesses
Ayr's retail and hospitality businesses take card payments all day, at the till, online, on the terminal, handling customers' card data as a matter of routine. That payment data is precisely what card-fraud attacks are after.
Where the risks come from for Ayr businesses
A breach of a business's payment systems, a compromised card terminal, malware on a point-of-sale system, a hacked online checkout, can expose customers' card data, bringing card-scheme penalties, the cost of reissuing cards, and liability to those affected. The payment card industry's rules add their own demands on top.
An Ayr example
Malware on the point-of-sale system of an Ayr business harvests customer card details over weeks before it is found. Cyber cover meets the forensic investigation, the card-scheme penalties and reissue costs, and the liability, and helps the business meet its payment-industry obligations.
What cyber insurance covers
Cyber cover can respond to a payment-card breach, meeting the investigation, the card-scheme fines and assessments, and the liability to customers. It sits alongside the wider breach-response and business-interruption covers.
Placing it in Ayr with Apex
We make sure card-taking businesses are covered for a payment breach and its penalties, not just the obvious hack. Apex arranges cyber cover through one named broker. Authorised by the FCA; established 2009.
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Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.