Cyber
Why do clients need Cyber cover?
Any business that uses a computer program or system could be at risk from a cyber attack. There's a wide variety of attacks that cyber criminals could inflict on a business such as:
- Phishing - where an employee in the business clicks on a malicious link which has gone on to download malware
- Malware - such as worms, spyware, ransomware, adware or trojans which can steal data or stop access to systems
- Denial-of-service attack - cyber criminals target systems, servers or networks and flood them with traffic to exhaust their bandwidth meaning they can't get on with their day-to-day running of their business
The types of attacks are ever evolving with cyber criminals finding new ways to infiltrate businesses.
Why choose Aviva's Cyber cover?
We offer two products that are designed to help protect small and medium sized businesses against cyber attacks.
Cyber Respond
Cyber Respond provides customers with a simpler product, designed with smaller businesses in mind. It's suitable where your customer doesn't need the extended covers or higher limits of Cyber Complete. This product helps to provide protection against cyber risks including hackers and cyber-criminals causing damage or disruption to data. The cover focuses on the breach response service including forensic experts, legal advice, notifying affected customers and offering credit or identity fraud monitoring services.
Cyber Respond is designed for small businesses and micro enterprises with:
- Fewer than 10 employees
- A turnover of less than £1m
This product can provide cover against:
- Damage to IT systems and data
- Cyber terrorism
- Increased cost of working
- Unauthorised use of computer equipment as part of External Cyber Crime (optional)
- Social Engineering and Funds transfer fraud as part of External Cyber Crime (optional)
It provides your client with:
- 24/7/365 access to incident response service in event of a cyber attack
- A maximum total combined cover limit of up to £110,000 for cyber data loss and External Cyber Crime (if selected)
- A policy that doesn't have a compulsory excess
- Access to services and specialist partners at preferential rates to help protect their business against cyber criminals
How do you get a quote?
- You can get a quote on Fast Trade
Restrictions, exclusions and limitations apply.
Cyber Complete
Cyber Complete offers our widest protection, providing your clients with a range of covers and limits. Additional optional covers are available to allow you to adapt the policy to meet the needs of their business. Cover extends beyond that provided by Cyber Respond, to also help provide protection against subsequent loss of revenue as well as liabilities arising from a cyber event.
Cyber Complete is designed for SMEs and mid-market organisations with:
- A turnover of up to £500m
- More complex digital operations
In addition to the Cyber Respond covers, this product will also provide:
- Business Interruption
- Cyber extortion ransom payment where insurable by law
- Regulatory fines and penalties where insurable by law
- Corporate Identity theft and Telecommunications fraud (optional)
- Third party liabilities, including network security, data privacy and media removal costs
It provides your client with:
- 24/7/365 access to incident response service in event of a cyber attack
- A maximum total combined cover limit of up to £5m or £2m via Fast Trade for cyber data loss, cyber liability and External Cyber Crime (if selected)
- Access to services and specialist partners at preferential rates to help protect their business against cyber criminals
How do you get a quote?
- For your clients with up to £50m turnover who need up to £2m cover limit, you can get a quote on Fast Trade
- For anything larger, please refer to your cyber underwriter
Restrictions, exclusions and limitations apply.
At the heart of our Cyber offering is a 24/7 incident response service. Any cyber incident, actual or suspected, can be reported to our dedicated cyber and technology experts. It provides your clients with:
- A dedicated incident manager who will co-ordinate the incident from the outset, bringing in the right experts where necessary
- Specialist IT forensics and consultants who will identify the type of attack, the extent of the damage and if data has been compromised
- Reputational experts to help minimise any negative impact on the brand, customers or suppliers, across press and social media
- No excess for any expert guidance or initial advice
- Support throughout your client’s recovery activities, including access to counselling services, available at no extra cost, for any staff affected by a cyber event or online incident.
To make a claim, contact us on 0800 051 4473*
* Calls to 0800 numbers from UK landlines and mobiles are free. For our joint protection telephone calls may be recorded and/or monitored.
Quote and Buy
You can quote and buy both Cyber Respond and Cyber Complete through Fast Trade.
Alternatively, for those clients who need more cover or are more complex, please contact your cyber underwriter. If your clients require higher indemnity limits than their primary insurer can provide to manage their cyber risk exposure, our Excess of Loss cover may provide an alternative solution.
Claims
Our dedicated claims service is there whenever your client needs us – they can call our 24/7 claims line or email us anytime.
To make a Cyber claim, contact us on 0800 051 4473*
Your client will be allocated a claims handler, who will support them throughout the entire process, but they’ll also have access to our panel of solicitors working in litigation and claims investigation.
Our defence excellence team will be on hand to help protect your clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.
*Calls to 0800 numbers from UK landlines and mobiles are free. For our joint protection telephone calls may be recorded and/or monitored.
Cyber Risk Management
Your clients can access a range of support and our network of specialist partners to help improve their cyber risk management strategies.*
* Additional costs may apply.
Cyber Resources
Cyber Playbook
This guide examines industry specific threats posed to businesses and the details of cover and services available to mitigate these risks.
Why do your clients need Cyber insurance?
Six key reasons why your clients should consider Cyber cover.
Broker Cyber Checklist
Use this handy checklist to see how our cover options compare to your client’s existing Cyber policy.
Develop your Cyber knowledge
You can now develop your Cyber knowledge with our Aviva Certified Cyber Insurance and Risk Professional (ACCIRP) on Aviva Development Zone.
This course has been developed to provide engaging material with mini exercises throughout. From understanding cyber terminology to talking to your commercial clients about their Cyber risks and why they may need Cyber insurance. This online, 8-hour Continuous Professional Development (CPD) course takes you through seven learning modules, with a final assessment for qualification.
Key documents and resources
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