Frequently asked
Is cyber insurance mandatory in Bristol?
Not legally required. Increasingly required by client contracts and often by cyber-audit standards.
What does a Bristol cyber attack look like?
Ransomware encrypting business systems, phishing leading to funds-transfer fraud, data breach exposing customer data. All active threats.
How does cyber cover interact with PI?
PI covers professional negligence; cyber covers the cyber-specific costs. Both typically needed for regulated firms.
What if we don't hold sensitive data?
Cyber cover isn't only about data. Ransomware, business interruption, and cyber-crime affect every business with systems.
How much does cyber cost?
Cyber is rated on what you hold and how well you protect it: the volume and sensitivity of the data, your turnover, the controls you can evidence such as multi-factor authentication, tested backups, patching and staff training, the limit and excess you choose, and whether you have had an incident before. Those levers move the price far more than sector or headcount alone, which is why we price the risk in front of us instead of publishing a range.
Do you cover the ransom itself?
Standard cover includes lawful ransom payments. Sanctions checks apply.
