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How to decide on your Cyber Liability Limits?

This information is intended as a general guide only. Cyber risks can vary widely and every business has unique circumstances and requirements. Our account executives are here to help by understanding your specific needs and provide tailored advice to ensure that you have the right protection in place. If you need further assistance, call 0161 763 5277 and select option 1 for our new business team.

When considering a Cyber Liability Limit, ask yourself:

How reliant are we on online systems, websites, email and cloud services?
Could we operate if our I.T systems were down and what would the subsequent financial loss be for business interruption?
How many customer and/or employee records do we store?
What type of data is stored and is it sensitive? (Examples include financial, personal and health)

When considering a Cyber Crime Limit, ask yourself:

What is our financial exposure to phishing, funds transfer and invoice manipulation?
What is our average and maximum transaction size? (Including both incoming and outgoing)
Are we financially resilient enough to remain in business if we suffered a Cyber Crime loss?

Align your Limits with Business Size and Risk Appetite:

Business Type	Typical Cyber Liability Limit	Typical Cyber Crime Limit
Small (1-10 staff, low data)	£100,000 – £250,000	£50,000 – £100,000
Medium (10–50 staff, moderate data)	£250,000 – £1 million	£100,000 – £250,000
Large (50-250+ staff, sensitive data or online retail)	£1 million – £5 million	£250,000 – £500,000