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Cyber insurance enables businesses to mitigate their exposure in the event of a data breach, hack or other cyber-related security threat.

Cyber insurance can cover first and third-party losses:

1. •

   first-party cover indemnifies the insured in respect of the costs of responding to a breach or an attack. This may include the costs of forensic investigation to determine what has occurred and legal advice as regards compliance with its legal and regulatory obligations

2. •

   some cyber policies may provide cover for business interruption losses and PR services to mitigate damage to the insured’s reputation

3. •

   third-party losses include damage to others as a result of the insured