Cyber insurance

Specialist cover against targeted cyber attacks from as little as £6 a month

  • Fast, easy online quote in just 90 seconds

  • Cyber response helpline included

  • No hidden fees or cancellation charges

Cyber insurance, also known as cyber liability insurance, protects your business in the event of a malicious attack on your computer systems and data.

If you store sensitive data about your clients or employees on laptops, tablets and other internet connected devices, cyber insurance is generally considered vital cover for your business.

With an increasing number of cyber criminals actively targeting small businesses, a data breach could have disastrous consequences. A targeted attack that takes down your website, wipes business-critical data or steals your customer's personal information could have severe financial consequences for your business.

As an online insurer, we understand the cyber threats facing small businesses. Our specialist cyber insurance has been tailored to protect your business in the event of a cyber attack by providing access to our cyber response helpline, manned by information security experts, as well as covering you for:

  • The costs of restoring data and equipment

  • Informing clients of a data breach

  • Meeting ransom demands

  • Loss of your net profit

  • Your legal defence costs and damages you are legally liable to pay to other parties

Customer reviews


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Policy Documents

Cover starting at just £6 a month

Frequently asked questions

  • Do I need cyber insurance?

    If you store sensitive client data (such as their name, address, telephone number or payment details), rely on computers to carry out your work or operate a website, you should consider taking our cyber and data risks insurance to protect against data breaches, the costs of restoring your own data and equipment, and compensation payable to your clients.

  • What kind of claims does cyber insurance protect against?

    Cyber insurance protects against a wide range of scenarios, including:

    • A spreadsheet containing of all your clients' personal information (including payment details) is stolen by a hacker in a targeted attack. You are covered for the costs associated with informing your customers, your legal defence costs and any damages you are legally required to pay to other parties.
    • In a targeted attack, a hacker threatens to encrypt the hard drive of the laptop you use for your business unless you pay them a ransom. You are covered for the cost of meeting the ransom demand.
    • A targeted denial of service attack causes an outage on your website. You are covered for the cost of restoring or reinstating the data to get your website back online, as well as loss of net profit.
  • I already have anti-virus software installed - doesn't this protect me?

    Although up-to-date anti-virus software can help to minimise the chances of a hacker gaining access to a system, it doesn't protect against the cost of putting things right in the aftermath of a cyber attack. The costs involved with informing clients about a data breach, restoring data following a targeted denial of service attack or paying ransom demands can be high. Cyber insurance covers against such scenarios, giving you the peace of mind that if a targeted cyber attack does occur, you'll be covered.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.

  • Why should I choose Markel’s insurance?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at

    We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.

Cover starting at just £6 a month

Cover starting at just £6 a month

More specialist cover

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is essential insurance if you provide advice, designs or services to your client. Cover is available with limits ranging from £50,000 to £5m.

  • Public liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly visit client premises as part of your consulting activities, you may need this cover. Limits range from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ staff, even on a part time basis, you almost certainly need this cover. Cover for £10m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £25,000 to £5m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property

  • Occupational personal accident

    Occupational personal accident insurance can help you maintain an income if you're accidentally injured at work.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. Limit of £100,000.

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