Yes. In some cases, cyber and data breach risks can be included as part of an IT Liability or Professional Indemnity policy. This depends on the insurer, the policy wording, and the type of technology services your business provides.

Cyber-related coverage under an IT Liability policy is typically limited and intended to respond when a cyber event is directly connected to your professional services. This may include claims arising from data breaches, system failures, or errors in the IT services you provide to clients. It is not the same as a standalone Cyber Insurance policy, which is designed to respond to a broader range of cyber events. Some insurers offer Cyber Insurance as part of a packaged policy, typically under Section 3 (or similar) cover. CFC Underwriting is a good example of a Technology insurance provider that can arrange Professional Indemnity, Public Liability and Cyber Insurance, all in the one policy.

Where cyber cover is included under an IT Liability policy, it may assist with:

• Claims alleging failure to protect client data
• Liability arising from data breaches linked to your services
• Privacy breaches connected to IT advice or technology services
• Certain costs that occur when a cyber event results in a professional liability claim

It is important to recognise that many insurers continue to struggle to manage cyber risk consistently. We are seeing significant exclusions applied across the market, regardless of whether cyber cover is included within an IT Liability policy, combined with another policy, or arranged as a standalone cyber policy. In some cases, policies may appear to offer cyber cover, but key events such as ransomware, system outages, or third-party breaches may be heavily restricted or excluded.

As a result, cyber coverage can vary widely across insurers, and it is easy to assume you are protected when you are not. This is especially relevant for businesses that manage or host client data, develop software, operate SaaS platforms, or rely heavily on digital systems to deliver services.

We recommend reviewing your IT Liability and cyber arrangements carefully. We can help identify gaps, explain how exclusions apply in real-world scenarios, and advise on whether your current structure is appropriate or whether changes are warranted. Please contact us today to speak to one of our specialist brokers.