Cyber Insurance policies vary between insurers, but there are some common exclusions to be aware of. These typically include:

• Incidents or breaches that were known but not disclosed before the policy started
• Losses caused by outdated or insufficient IT security systems
• Physical theft or loss of hardware, which is usually covered under business property insurance
• Fraud or dishonest acts by employees, which may need a separate crime or fidelity policy

Understanding your policy exclusions is just as important as knowing what’s covered. We’ll help you review the terms to ensure your cover aligns with the risks your business faces.

Contact us if you’d like help reviewing your policy or arranging appropriate protection.