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Cyber and Liability Insurance

Protect your business against cyber and privacy risks with our comprehensive liability insurance.

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Our cyber and privacy liability insurance cover will safeguard your business against financial losses from online threats like data breaches, malware viruses, hackers, and other malicious cyber-attacks.

Using a range of cutting-edge techniques at the disposal of our digital forensic investigators, Adler Fairways can offer your business invaluable protection against internal and external cyber-attacks.

Internet and networked technologies have changed all aspects of how businesses operate. While the benefits of using internet-based and other technologies are numerous, so are the inherent risks, creating exposures that were virtually unheard of decades ago.  These risks include:

  • Theft or manipulation of sensitive or private information, such as financial or health records.
  • Computer viruses that can destroy data, damage hardware, cripple systems and disrupt a business’ operations.
  • Computer fraud.

What does cyber and privacy insurance cover?

Adler Fairways works with leading cyber risk insurers to develop cyber liability insurance and cyber risk protection for internet and network exposures, including:

  • Cyber Liability: to provide you with protection in the event of a claim being brought against you for which you become legally liable (including claimants costs and expenses) together with third party financial loss from a cyber event (hacking attack or virus) that has emanated from your computer system or cloud provider.
  • Privacy Liability: to provide you with protection in the event of a claim being brought against you for which you become legally liable (including claimants costs and expenses) in the event of a breach of any Individual Privacy Rights, Unintentional Disclosure of Personal Information, Failure to Maintain Security of Personal Data (e.g. Credit cards etc). and Breach of Any Rights of Confidentiality. The coverage can also extend to include any fines, penalties or contractual damages you are legally obliged to pay.
  •  Privacy Breach Notification costs: that you are legally obligated to pay.
  • Own System damage: as a direct result of a cyber incident, coverage can include the cost of retrieving, restoring or replacing any of your computer programs or other data media for which you are responsible.
  • Business Interruption: as a direct result of a cyber incident, coverage can reimburse you for your reduction in profit as a result of your computer system outage or that of a cloud providers system.
  • Threats or Extortion: reimbursement of loss due to threats of a cyber event being brought against you.

FAQs

Does my business need cyber and privacy insurance?

Virtually every business faces the threat of a cyber-attack. If one occurs, it can have a huge impact on both your finances and reputation. Cyber and privacy liability insurance shields your business against these digital risks, helping your business to prepare for the worst.

How common are cyber attacks? 

Cyber-attacks are, unfortunately, very common. According to the UK Government, 50% of businesses and 33% of charities have experienced some form of cyber security breach or attack over the last year. The likelihood of an attack increases for larger businesses, with 70% of medium businesses and 74% of large businesses experiencing attacks in the last twelve months.* Find out more on the cyber risks associated with your business and how you can minimise the risk with our Quick Guides.

How much does cyber and privacy liability insurance cost?

Every business’ needs are different. The cost of cyber and privacy liability insurance will depend on several factors, such as the size of your business, your industry, your annual turnover, the level of coverage you choose and your previous claims history. We’ll be able to advise you on the appropriate level of cover for your cyber security needs.

 

 * Source: Official Statistics – Cyber security breaches survey 2024

This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Words from our clients…

Shannonside Civil Engineering Ltd

"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

John Hall, Director, West Midlands Fasteners

"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

Faisal Ravat, Managing Director, E&S Motors Ltd

"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

Frank Ryan, Director, Reirse Ryan Ltd

"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

Gerald Doble, Director, G A Doble

"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

John Dyke, Central Scaffold Walsall Ltd

"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall

Ocean Outdoors

"The Adler Fairways team has been an invaluable partner to our digital out-of-home (DOOH) advertising business, particularly during times when we needed their support, expertise and advice. Their exceptional responsiveness and commitment have truly set them apart. In our industry, where we manage a network of digital displays and complex advertising campaigns, the risk landscape is unique and often unpredictable. Whether it’s damage to equipment, public liability, motor or unforeseen technical issues, Adler Fairways has consistently provided us with bespoke insurance policies that give us confidence in our coverage. Whatever our needs are, Adler Fairways are always there to guide us every step of the way and the team handles everything with remarkable efficiency, providing clear communication and expert advice throughout the process. The personal touch and attention to detail they always provide makes sometimes stressful situations much easier to navigate." Outdoor Ocean