Protect your business against the modern crime of the 21st century.

Cyber and Data Insurance

At Capurro Insurance we aim to support you in your cyber journey by ensuring that you have the knowledge and tools on how a cyber insurance policy can respond to a cyber incident. Together with London and Lloyds of London specialist brokers we negotiate with market-leading cyber underwriters in order to provide our clients with the most appropriate policies for their businesses.

Making sense of Cyber Insurance

What is cyber?

Cyber relates to any internet connected systems, this includes your computers hardware, software and data it collects.

Does your business need cyber insurance?

Most companies purchase general liability insurance to protect themselves from any claims arising from the wrongful or negligent acts of their employees. So, why would your company not need cyber insurance? As we become increasingly dependent on technology, cyber risk is one of the most talked about topics. The shift from post and paper records to digital email communications or data storage means that your business has a greater exposure to suffer a theft.

Data breach has now become an every-day occurrence but, unfortunately, as is the case with many insurance covers, most people do not recognise the need for the insurance until the disaster has already happened, when it is obviously too late.

Types of cyber claims

Cyber attacks can happen in many ways such as, theft of funds where a hacker will steal money from a company’s bank account; damage to digital assets whereby a hacker is able to damage the system which your company works on, resulting in huge business interruption costs and in many cases leaving your business in great reputational prejudice; or data breach and privacy crisis management in which the firm’s customers’ personal information is exposed or stolen by a hacker or other criminal who has gained access to the firm’s electronic network.

“43% of UK businesses reported experiencing a cyber breach or attack in the last 12 months.”
— Source: https://www.gov.uk/government/statistics/cyber-security-breaches-survey-2025/cyber-security-breaches-survey-2025?utm_s

A Cyber Insurance policy typically covers:

Data breach costs

This section of cover will pay for losses incurred by your company which involve the responding to a cyber incident.

Hacker damage

Cover for costs as a result of damage to your computer systems.

Cybercrime

Cover for payments made as a result of extortion, ransomware attacks, theft of funds or unauthorised use of computer resources.

System Business Interruption

Cyber insurance may cover for business interruption losses as a result of a cyber related event.

Regulatory fines

Cover for costs and penalties that a regulator may impose as a result of a data breach.

Media Liability

Cover related to defamation or infringement of intellectual property rights.

Privacy Protection

Cover for third party claims against breach of personal data.

Learn more about Cyber & Data Insurance

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Disclaimer:
The information contained herein is provided for general informational purposes only. All insurance policies are subject to the specific terms, conditions, exclusions and endorsements set out in the individual insurer’s policy documentation. Coverage may vary depending on the insurer and the nature of the risk presented. We strongly recommend that you review the full policy wording.