Cyber insurance, also known as cyber liability or cyber security insurance, is designed to protect your business from digital threats. But the right policy goes further than just cover. It gives you confidence that your people, your systems, and your reputation are protected if the worst happens.
We go beyond policy placement. We begin with a thorough review of your current systems and processes to identify areas of vulnerability. From there, we work closely with leading cyber insurance providers to tailor a bespoke solution that fits your business, regardless of size or sector.
According to the Association of British Insurers, in 2024-25, UK insurers paid out approximately £197 million in cyber claims – a staggering 230% increase on the previous year, driven primarily by ransomware and malware attacks. Despite this, fewer than half of UK businesses currently hold standalone cyber insurance.
What Is Cyber Insurance?
Cyber insurance is a specialist type of business cover designed to help protect against the financial, legal, and operational impact of cyber threats. These threats can include data breaches, ransomware attacks, system outages, and unauthorised access to sensitive information.
It is not a replacement for robust IT security or good risk management. Instead, cyber insurance works alongside your existing cyber defences to provide critical support after an incident, helping your business recover quickly and minimise disruption and cost. You might assume your standard business insurance policies will cover cyber events, but most don’t include adequate protection for digital risks. That’s why dedicated cyber insurance is essential.
The types of Cyber Insurance we can offer are:
What Are The Benefits Of Cyber Insurance?
Financial protection against cyber attacks: Covers the cost of incidents such as ransomware, phishing, and malware attacks – including data recovery, system repairs, and ransom payments where applicable.
Business interruption cover: Helps you recover lost income and manage extra operational costs if your systems are taken offline due to a cyber event.
Data breach response support: Includes cover for investigating the breach, notifying affected clients, and managing legal and regulatory obligations.
Reputation management and PR: Covers the cost of specialist crisis communications to help protect your brand and rebuild trust after an incident.
Legal defence and liability cover: Protects you against legal claims arising from compromised data, including client information, intellectual property, or third-party losses.
Support from cyber incident response teams: Access to expert IT forensics, legal advice, and crisis management professionals – often available 24/7.
Regulatory fines and penalties: In certain cases, policies can cover the cost of regulatory penalties following a data protection breach (where legally insurable).
Tailored protection for your business risks: Policies can be adapted to your sector, size, and specific risks – from SMEs to large enterprises.
Peace of mind in an evolving threat landscape: With cyber threats growing in both scale and sophistication, cyber insurance gives you confidence that your business is prepared and protected.
Which Sectors Benefit From Cyber Insurance?
“It won’t happen to us”, or “we’re too small to be singled out”, no longer stack up. The uncomfortable truth is that cyber risk isn’t just a big business problem anymore.
Smaller organisations are often easier to breach, less prepared, have limited resources to manage the impact, but are just as valuable to their stakeholders.
So, whether you are an SME with less than 10 employees, or a large national organisation with hundreds on the payroll, we can help you become more resilient to a cyber attack, and ensure that you have the appropriate insurance cover in place, should the worst happen.
No sector, industry, or organisation is immune to the threat or consequences of a cyber attack, either on itself, a supplier or a customer.
That said, it’s becoming increasingly clear that some sectors are targeted more than others, and our preferred insurers are experienced in providing:
Why Choose Us For Cyber Insurance?
Our clients tell us there are many benefits to working with us:
Expertise
Our Cyber Insurance Division works with specialist cyber insurers to ensure that you are set up correctly, with the terms appropriate for your business needs. Whilst some liability policies may include an element of cyber cover, only a standalone policy can provide you with the support needed to manage the aftermath of a cyber attack or threat.
Relationships
Our clients repeatedly tell us that one of the biggest benefits of working with us is the relationship they have with their contact at C&C. We take the time to really understand you and your business: your goals, your challenges and the specific market you operate in. We become an extension of your team, intrinsic to your business. With a client retention rate of 97.7%, it's clear that clients value our personal approach to their business.
In-house claims team
Should you ever need to make a claim, we do the heavy lifting for you. We will take the lead and manage the process, handling as much interaction with insurers and loss adjusters as possible. We will challenge, chase up and champion your case all on your behalf. Having our team in your corner at such a difficult time brings immense peace of mind to our clients.
CONTACT OUR CYBER INSURANCE TEAM TO DISCUSS WHICH OPTIONS ARE RIGHT FOR YOUR BUSINESS: 0161 406 4800
