Cyber Insurance

Cyber insurance serves as a vital shield in the digital world, safeguarding businesses from the constant threat of cybercrime. While traditional insurance policies may overlook the intricacies of cyber threats, cyber insurance steps in to fill the void. It extends its protective shield over critical aspects such as IT infrastructure, information governance, and data security policies.

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What Risks Are Covered Under Cybersecurity Insurance?

Cyber liability insurance provides coverage for the following conditions:

First Party Costs

  • Business Interruption: The cyber insurance policy covers financial losses incurred due to interruptions in normal business operations caused by cyber incidents.
  • Breach Costs: It provides coverage for expenses associated with responding to and recovering from a data breach, including forensic investigations, notification of affected individuals, credit monitoring services, public relations efforts, and legal fees. 

Third-Party Costs

  • Privacy and Network Security Liability Protection: A cyber policy protects the insured against claims and legal liabilities arising from privacy or network security breaches.
  • Multimedia Liability: It covers claims of defamation, libel, or copyright infringement related to multimedia content produced or distributed by the insured.
  • Reputational Liability: The cyber insurance policy addresses damages to the insured's reputation resulting from cyber incidents.
  • IPR Infringement: It protects against claims of intellectual property rights infringement related to online activities or digital assets.

What Does a Cyber Insurance Policy Not Cover?

The cybersecurity insurance does not provide coverage for the following:

  • Bodily injury, diseases, death or damage to any tangible item is not covered
  • Power disruption, mechanical malfunction, equipment failure, or media breakdown resulting in any form of loss.
  • Any intentional or deceitful action by the insured that violates a law, rule, or regulation.
  • Damages caused due to negligence or lack of precautions to safeguard information such as credit and debit cards, bank accounts, internet connections, etc.
  • Deliberately ignoring any knowledge or circumstances that may become the basis of a claim
  • Ongoing legal proceedings before the policy was purchased
  • Unexplained loss, or any loss due to a government order
  • Losses due to participating in any malicious or dishonest activity
  • Breach of trade secrets, trademarks, registered patents, actual or alleged plagiarism, copyrights or other intellectual property
  • Consequential loss or damage is not covered, including the loss suffered by any third party
  • Any legally uninsurable matter
  • Loss in value, theft or disappearance of cryptocurrency is not covered
  • Loss of any tangible property
  • Purchase of sovereign funds, dealing in securities, federal funds, foreign exchange, currencies and commodities are not covered

How to Raise a Claim for Cyber Insurance in India?

Follow these steps to file a claim under Cyber Insurance in India:

how-to-raise-a-claim-for-cyber-insurance-in-india how-to-raise-a-claim-for-cyber-insurance-in-india
  1. Notify Your Relationship Manager: Promptly inform your relationship manager of any cyber incident.
  2. Assignment of Investigator: An investigator will be appointed to examine the incident and create a temporary resolution plan.
  3. Hiring of Cyber Expert: In cases of severe incidents, a cyber specialist is enlisted to conduct an impartial analysis, ensuring transparency and impartiality.
  4. Internal Liaison: All concerned parties, including the insured, engage in discussions about the resolution. The insurer consults the policyholder on potential costs for losses, and if a cost-effective option is identified, it is pursued. Then, a final action plan is developed.
  5. Reporting: All details are documented and reported to the claims team. They will then review the information for final approval, after which the claim amount gets disbursed.

Note: It is the responsibility of the insured not to withhold any information which the insurer may deem relevant to be shared for a claim. Failure to comply may lead to either denial of the claim or delay.


Why Do You Need Cyber Liability Insurance?

why cyber insurance is essential in todays digital world why cyber insurance is essential in todays digital world

The Problem

In today's digital age, businesses increasingly rely on the Internet for their operations. However, this heavy dependence on digital platforms exposes them to significant risks, such as cyberattacks and data breaches. The financial impact of these incidents can be devastating, leading to substantial losses and operational disruptions. Many companies struggle to fully protect themselves against these threats, leaving them vulnerable to financial and reputational damage.

The Solution

To ensure robust protection in the online sphere, comprehensive cybersecurity measures are essential. One key component of this strategy is cyber security insurance. It plays a crucial role in safeguarding businesses by providing financial protection aga. It plays a crucial role in safeguarding businesses by providing financial protection against the consequences of cyber incidents, allowing them to focus on their core operations without constant concern about potential cyber threats.

What Risks Does Your Business Face Without Cyber Insurance?

cyber Cyber

Not having cyber insurance can expose businesses to severe risks, including:

  • Breach Expenses: Companies may face steep costs from data breaches, including legal fees, customer notifications, and regulatory fines.
  • Ransomware Costs: Businesses might have to cover ransom payments or data recovery expenses on their own.
  • Revenue Loss: Cyber attacks can disrupt operations, causing downtime and lost income that can strain financial resources.
  • Trust Erosion: A cyber incident can damage customer trust and tarnish a business’s reputation.
  • Data Loss: Critical data may be lost permanently during a cyber attack.
  • High Recovery Costs: Post-incident recovery often requires costly expert assistance.
  • Operational Disruption: Cyber incidents can cause significant downtime, disrupting business relationships and affecting partners and customers.

Common Types of Cybersecurity Attacks 

The most common types of cyberattacks targeting Indian businesses are as follows:

Type of Cyber Attack Description
DoS & DDoS Attacks Overwhelm a server or network with traffic, making it inaccessible to legitimate users.
MITM Attacks Man-in-the-middle attacks involve intercepting communications between two parties.
Phishing Attacks Fraudulent attempts to steal sensitive information through deceptive emails or websites.
Whale Phishing Attacks Target high-profile individuals (executives) to steal sensitive information.
Spear-phishing Attacks Targeted phishing attacks aimed at a specific individual or organization.
Ransomware Malware that locks or encrypts data, demanding payment for its release.
Password Attacks Attempts to steal, crack, or bypass passwords to gain unauthorized access.
SQL Injection Attacks Insert malicious SQL code into a query to access or manipulate databases.
URL Interpretation Modify a URL to access unauthorized resources or sensitive data.
DNS Spoofing Redirect traffic from a legitimate website to a malicious site.
Session Hijacking Take over a user's session to gain unauthorized access to a system.
Brute Force Attacks Attempting to gain access by guessing passwords or credentials through trial and error.
Web Attacks Exploit vulnerabilities in web applications to gain unauthorized access.
Insider Threats Malicious activities carried out by employees or trusted individuals within an organization.
Trojan Horses Malicious software disguised as legitimate programs, allowing unauthorized access.
Drive-by Attacks Unintentionally downloading malware from compromised websites.
XSS Attacks Cross-site scripting, where malicious scripts are injected into web pages.
Birthday Attack Exploits the mathematics behind hashing algorithms to find collisions and bypass authentication.
Eavesdropping Attacks Intercepting and listening to private communication without consent.
Malware Attacks Malicious software designed to harm or exploit systems and data.

Who Needs Cyber Insurance Coverage?

myth-vs-fact-in-cyber-insurance myth-vs-fact-in-cyber-insurance

There's been a myth floating around that only big corporations or tech giants need cyber insurance. But, that's not the case - it's for anyone who wants to protect themselves from the headaches and financial hits of cyber attacks. So, who needs it?


Well, in today’s interconnected world, pretty much anyone who uses the internet, handles sensitive data, or relies on digital systems to keep things running smoothly. Whether you're a bank, a tech company, an NBFC, or a healthcare provider, your information is a prime target for cybercriminals. And schools and small businesses are just as vulnerable.

Therefore, whether you operate an MSME, manage a large corporation, or run a startup, cyber security insurance is a must for you to safeguard your digital initiatives and ensure continuity in an ever-evolving landscape.

How Does a Cyber Liability Insurance Policy Work?

If your company’s data is hacked or exposed, the policy can cover the costs related to the incident.

The working of cyber liability insurance includes various factors. Here's how it works:

  1. Cyberattack or Data Breach Happens: If your systems are compromised, the policy helps you handle the aftermath.
  2. Filing a Claim: You can file a claim for costs like legal fees, notifying affected customers, and repairing your systems.
  3. Covering Costs: The insurance helps cover expenses like data recovery, legal actions, regulatory fines, and any lost income during recovery.
  4. Recovery Support: It also helps you recover faster, with expert guidance and services provided as part of the coverage.

Cyber insurance helps your business manage the financial impact of a cyber incident and recover quickly. It gives you peace of mind and protects your reputation in the digital world.

Why Buy a Cyber Security Insurance Policy through Policybazaar for Business?

  • Customized Consultation: Our team of business risk consultants provides customized advice to meet your specific needs and preferences.
  • Round-the-Clock Claim Support: Our claim experts remain accessible every day of the year, ensuring prompt and hassle-free processing of your claims.
  • Personalized Support: A dedicated relationship manager will be assigned to you, providing assistance and guidance to reduce insurable risks for your business.
  • Competitive Quotes from Insurers: Through our strong partnerships with leading insurers, we provide competitive quotes from various reputable providers, ensuring you get the most competitive prices and exceptional service.

What Are the Best Practices for Strengthening Your Business's Cybersecurity?

Here are a few best practices to keep your business secure and protected from cyber threats:

best-practices-for-strengthening-your-business-cybersecurity best-practices-for-strengthening-your-business-cybersecurity
  • Enhance Network Security: Set up firewalls, continuously monitor network traffic, and deploy antivirus solutions to safeguard your systems.
  • Update Software Consistently: Regularly update all software, operating systems, and security patches to protect against potential threats.
  • Provide Employee Training: Offer ongoing cybersecurity training to employees, focusing on phishing prevention and secure password practices.
  • Implement Robust Access Controls: Enforce multi-factor authentication and restrict access to sensitive information based on user roles.
  • Maintain Regular Data Backups: Regularly back up essential data to secure, offsite locations to ensure quick recovery in case of a cyber incident.

Is Cyber Insurance and Cyber Defense Same?

Cyber Insurance and Cyber Defense both are not same. Here is the key differences:


1.Cyber Insurance: Cyber Insurance term is used in order to protect your assets from cyber attacks, cyber incidents or data breaches. It generally cover:

  • Ransome attacks
  • Legal fee
  • Regulatory penalties
  • Forensic operation in cyber

2.Cyber Defense: Cyber Defense term is used in order to protect your networks, systems, and data from various cyber threats. It generally cover:

  • Employee Training on phishing
  • Employee Training on social engineering
  • Incident response planning
  • Encrypt protocols for secure communication

Steps to reduce Cyber Risks

Protecting your systems and data requires a multi-faceted approach. By following some of the best practices, you can minimise vulnerabilities and significantly reduce the chances of falling victim to cyberattacks or risks. Below are the some of essential steps to enhance your cybersecurity posture.

  • Use Strong, Unique Passwords
  • Enable Multi-Factor Authentication (MFA)
  • Keep Software and Systems Updated
  • Implement Strong Network Security
  • Educate Employees on Cybersecurity
  • Regularly Backup Your Data
  • Monitor for Suspicious Activity
  • Secure Your Endpoints
  • Create a Robust Incident Response Plan
  • Consider Cyber Insurance

Cyber Insurance: FAQs

  • Who should get cyber insurance in India?

    Any startup or a well-settled organisation looking to protect the company’s data that is stored online should purchase a cyber risk insurance policy.

  • Is cyber insurance effective?

    Yes, cybersecurity insurance is effective in providing financial protection and assistance in the face of cyber-related incidents. It helps reduce the financial losses linked with data breaches, cyberattacks, and other cyber threats, facilitating businesses' quick and efficient recovery.

  • What is the scope of cyber insurance?

    Cybersecurity insurance coverage encompasses various facets of cybersecurity risks and occurrences. It typically covers financial losses, legal expenses, notification costs, forensic investigation expenses, and costs associated with data recovery and system restoration.

  • Is cyber insurance mandatory?

    While cyber insurance is not obligatory in most jurisdictions, it is highly advisable for businesses of all sizes and industries. Although not mandated by law, cybersecurity insurance can provide valuable financial protection and support during cyber-related incidents.

  • What are the risks of not having a cyber insurance policy?

    The absence of a cyber insurance policy in India poses significant risks, including financial losses, reputational harm, legal liabilities, and business disruptions arising from cyber-related incidents. Without a commercial cyber insurance plan, businesses may face substantial financial burdens associated with data breaches, cyberattacks, and other cyber threats, as well as the costs of regulatory fines, legal fees, and potential lawsuits. Moreover, businesses may struggle to recover from cyber incidents and rebuild trust with customers and stakeholders without the support provided by cyber insurance.

  • What can I do for better coverage of a cyber insurance policy?

    Insurers recommend using effective cyber security measures when purchasing a cybersecurity insurance policy to get better coverage in case of a cyber breach. They may conduct inspections to assess the effectiveness of the security measures implemented by the company to protect its online data.

  • Does a cyber insurance policy provide cover for copyright infringement or trademark infringement?

    Yes, cyber insurance does provide coverage for copyright infringement or trademark infringement.

  • If the data of any company’s customer gets leaked online, will the insurer provide cover for it?

    Yes, in case the date of the company’s customer gets leaked on the internet, then the insurer will provide cover for it.

  • What are the four main covers under cyber liability insurance?

    Privacy risk, operational risk, service risk, and security risks are the four prominent risks that cyber liability insurance covers

  • Is there insurance for cyber-attacks?

    Yes, there is an insurance policy for cyber-attacks, known as cyber security insurance. It protects your business against losses caused by cyber-attacks.

  • How is cyber insurance premium calculated?

    Cybersecurity insurance premiums can depend upon many factors, such as the company’s services, type of data stored online, PII and PHI records, network security, privacy policies, annual gross revenue, how much exposed a company is and more.

  • How long has cyber insurance been around??

    Cyber security insurance companies started offering first-party coverage in the mid-2000s.

  • What affects cyber insurance costs?

    The better security measures a company takes, the lower the premium amount for the opted cyber insurance plan will be.

  • Q14: Will my general liability insurance policy provide cover for cyber liability?

    General liability insurance provides coverage for bodily injuries or damaged properties resulting from services, operations or products, whereas cybersecurity insurance solutions provide coverage for online cyber threats. That’s why cyber liability coverage is excluded from the general liability insurance policy.

  • What if my organisation is a victim of more than one cyberattack at the same time, will the insurer provide coverage for all the attacks?

    As an insured, you can raise a claim for all the cyberattacks however, whether the insurer will provide cover for multiple cyber attacks will depend on the selection of coverage and sum insured that you have opted for while purchasing the cyber insurance plan.

  • Is there any sub-limit, deductible or waiting period under the cyber insurance policy?

    No, there is no sub-limit, deductible or waiting period under the cyber insurance online policy.

  • What is the policy period of a Cyber Insurance Policy?

    Usually, a cyber insurance policy comes with a tenure of 1 year and the insured has to renew the policy before the expiration date to keep getting the coverage.

  • Is it possible to make my own plan under Cyber Insurance Policy?

    Yes, you can create your own cyber insurance plan. You can choose the coverage you want, the sum insured according to your needs, and, if you want, add any of the available add-ons.

  • Why do companies buy cyber insurance?

    Corporate cyber insurance policies secure an organisation’s confidential data, programs, and networks from unauthorized access and exploitation. They protect against financial losses, economic costs, legal consequences, and reputational damage resulting from failures in the organisation’s information technology systems.

  • What is Third-Party Liability in Cyber Insurance?

    Third-party liability in cyber security insurance covers claims made against a company by individuals or entities affected by a cyber incident. This type of coverage protects the insured organisation when it is held responsible for damages to third parties, such as customers, partners, or other external entities.

  • Does my previous cyber insurance claim impact my current premium and claim?

    Yes, a previous cyber insurance claim can impact your current premium and future claims. Insurers often consider your claims history when determining premiums and a history of claims can result in higher premiums.

  • What are the two types of cyber insurance?

    The two main types of cyber insurance are:

    • First-party coverage: This covers your business's direct losses from incidents like data breaches, ransomware, or system damage. It can include expenses for data recovery, notifying affected individuals, and business interruption.
    • Third-party coverage: This protects your business from legal claims or lawsuits due to a cyber event. It covers legal costs, settlements, and penalties associated with data breaches or privacy violations impacting clients or customers.
  • What is the difference between first-party and third-party cyber claims?

    The difference between first-party and third-party cyber claims is about who is affected:

    • First-party claims: cover your business's own losses, like recovering data, business downtime, or repairing systems after a cyberattack.
    • Third-party claims: involve damages to others, like customers or clients, due to your business’s cyber incident. These claims cover legal fees, settlements, or penalties.
  • Who is a third party in cyber security?

    In cybersecurity, third parties refer to external entities that interact with your organization's systems or data but are not part of your internal team. These could include:

    • Vendors or service providers
    • Clients or customers
    • Contractors or consultants
  • What are the two categories of cybercrime in cyber security?

    The two main categories of cybercrime in cybersecurity are:

    1. Crimes Against Individuals or Organizations (Targeted Crimes):These involve attacks directly targeting individuals, businesses, or institutions, such as phishing, identity theft, ransomware, and data breaches. The goal is often financial gain or stealing sensitive information.
    2. Crimes Against Systems (Cyber-Dependent Crimes):These involve attacks on systems or networks themselves, such as hacking, DDoS (Distributed Denial of Service) attacks, or spreading malware to disrupt services or gain unauthorized access to systems.

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Cyber Insurance Companies
Disclaimer: Above mentioned insurers are arranged in alphabetical order. Policybazaar.com does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

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Policybazaar for Business - Cyber Insurance - Customer Reviews
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4.3 October 11, 2022
Aarti Singh
Knowledegable Team
The representatives at PolicyBazaar were knowledgeable, patient and genuinely committed to helping me find the best insurance policy for my requirements. They took the time to answer all my questions and provide valuable guidance, ensuring that I had a thorough understanding of the coverage details and terms. THANKS.
Agra
4.3 October 06, 2022
Amit
Quick And Hassle Free
After seeing a rise in cyber attacks in many of the companies, i decided to purchase a cyber insurance policy for my start up. I went on the Policy Bazaar website and learned about the coverage in detail and purchased it from their website only. It was quick and hassle-free purchase.
Nashik
4.5 October 04, 2022
Pinku
Paperless Process
We bought the contractual liability insurance from policybazaar and received the best overall package. The process was paperless as we applied for insurance online and the support was amazing.
Surat
4.5 October 03, 2022
Aashish
Extensive Coverage
We thoroughly checked all the benefits and features and decided to buy a contractual liability policy from Policybazaar. It provides all the necessary features to safeguard our business against any loss.
Ahemdabad
4.5 October 02, 2022
Nishant
Easy To Buy
It was easy to buy insurance from Policybazaar and customer support was also amazing to clear all the doubts. Contractual liability insurance is essential for my business and I could not get a better deal than this.
Udaipur
4.5 October 01, 2022
Puneet
Easy Plan Comparision
An ideal Contractual Liability Insurance policy purchased to protect our business that we ecounter in our everyday operations. Policybazaar offers a platform to compare multiple plans.
Assam
4.5 September 30, 2022
Govind
No Broker And Paper Work
Great experience at Policybazaar. We did not know that buying Contractual Liability Insurance could be that easy. Also there is no broker and paperwork.
Jharkhand
4.8 September 29, 2022
Rinku
Perfect Insurance Coverage
I purchased Contractual Liability Insurance from Policybazaar and the coverage they provided is perfect to keep my hardware business safe various unforeseen instances.
New Delhi
4.5 March 18, 2022
Ishan
Cloud Storage Cover
I wanted to purchase a cyber insurance policy could provide coverage for the data stored in cloud network. I went on the Policybazaar website and look up for plans that would provide me with this coverage. I compared different plans and in a matter of minutes i found the right cyber insurance plan that would fit my requirement.
Ajmer
4.5 March 17, 2022
Anurag
Good User Interface
I was looking for a cyber insurance policy online. After looking for the insurance plan online I landed on the Policybazaar website. Trust me, the user interface of the website is so good that i was able to locate the cyber insurance plan and purchase it in not more than 10 minutes. Thanks Policybazaar.
Delhi

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