Cyber

CyberCare 2.0 is our rebuilt cyber product, designed specifically to meet the evolving threats faced by modern small to medium sized enterprises.

Overview

Cover at a glance

One policy, five pillars. A simple view of the main protection areas built into CyberCare 2.0.

Liability

Privacy & security liability
Media liability
Regulatory proceedings, fines and penalties

Breach Response

Breach notification
Computer & legal experts
Public relations
Data restoration
Cyber extortion
Security improvements & rewards

Cyber Crime

Computer fraud
Funds transfer & social engineering fraud
Invoice & vendor payment fraud
Telecom fraud & cryptojacking

Business Loss

Business interruption
Reputation harm
Dependent BI – IT provider
Dependent BI – non-IT provider

Added Benefits

48-hour excess waiver
Bodily injury
Property damage
Goodwill coupons
Extended reporting periods
Artificial intelligence clause

What’s new in CyberCare 2.0

We rebuilt our CyberCare product from the ground up. Here is what has changed for our policyholders.

1 Cyber crime cover that reinstates.

The crime covers now work on an any-one-claim basis, so a loss under one crime cover does not use up the limit for the next one.

2 Cover for artificial intelligence risk.

Cover is never excluded simply because a breach or fraudulent instruction was made or facilitated using AI or deepfake technology.

3 Cover for bodily injury from a cyber incident.

Cover now responds to bodily injury claims arising from covered cyber and media events.

4 First-party property damage from a cyber incident.

Cover where a cyber event damages physical assets.

5 Broader post-breach support.

Cover for consultants, risk assessments, gap analyses, upgraded hardware and software, and staff training — to help prevent the next attack, not just recover from the last one.

6 Cover when your suppliers go down

Wider dependent business interruption — separate cover for IT and non-IT providers, including outages caused by IT provider system failure, not just breaches.

7 Interim payments for business interruption.

Access to funds while the final loss is being calculated.

8 Reputation harm up to the policy limit.

Cover for loss of income due to reputational harm following an adverse media report.

9 Clearer fraud cover.

One cover, four built-in protections: social engineering fraud, fraudulent impersonation, invoice manipulation fraud and vendor payment fraud.

10 No excess for the first 48 hours.

Speed matters most in the first two days. No excess applies to forensic and legal expert costs.

Why choose CyberCare2.0

Designed for small business

Tailored specifically for SME risk profiles and budgets.

Backed by Lloyd's Underwriters

Global security and financial strength supporting your policy.

Buy a policy in minutes

Streamlined digital quoting and binding process.

24/7 Incident Response

Immediate support when an incident occurs.

Claims

Sharper claims response

When a cyber incident strikes, speed is critical. Our dedicated incident response team, managed by Mills Oakley, provides immediate triaging and expert guidance to contain the breach and minimise disruption.