Cyber, all risks crime & management liability package

Liability & Construction

One policy covering the consequences of an event from every perspective with 24/7, 365-day assistance.

Summary

Our cyber solution sits inside our Management Liability Package. The policy includes five key covers:

  1. Directors & Officers Liability
  2. Employment Practices Liability
  3. Corporate Legal Liability
  4. Commercial Crime (All Risks)
  5. Cyber Risk

A claim in one of the below areas may often lead to multiple claims with multiple insurers for the same incident. With our cover, you make one claim. We then take care of all the areas affected in the policy.

We have also created an SME version which contains set lower limits at an affordable price of £250 +IPT.

Submit your risk online

Submit details of your risk directly to our underwriters for priority review.

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Your expert team

You can access our knowledgeable underwriters directly to discuss your clients’ needs.

Product video

Key documents

Policy wording

Additional benefits

Claims examples

Claims examples – Crime

Submission form

Assess how cyber secure your client’s business is

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Key benefits

Up to £2M D&O limit

£100,000 Entity & Employment Practices Liability included as standard

Commercial Crime (All Risks) limit up to £2M

Cyber limit up to £500,000

Crime excess starting at £5,000 / Cyber excess starting at £1,000

Features

Commercial Crime (all risks)

Provides cover on an all risks basis covering theft from the Insured by anyone, whether employed by them or not. This means the cover for theft committed by third parties is not restricted (as in some policies) to certain types of theft.

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Cyber Risk Insurance

All businesses are now vulnerable to cyber threats as they become more reliant on IT. Traditional insurance policies may not have been designed to cover these new and evolving risks which is why a specific cyber policy is becoming more important to businesses.

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Employment Practices Liability (EPL)

Employment disputes cost organisations an enormous amount in management time and defence costs. Regardless of HR practices and procedures, the risks cannot be eliminated. This policy will cover the company, its subsidiaries, directors and officers and past, present and future workers.

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Directors & Officers (D&O) Liability

Provides protection for the personal assets of individual directors, officers, managers and sometimes employees of an organisation and protection to the Company, to the extent the Company ‘reimburse’ or ‘indemnify’ the same directors & officers.

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Corporate Legal Liability

This will cover defence costs and legal liability incurred as a result of claims and prosecutions bought against the company for a wide range of wrongful acts, errors or omissions.

This cover includes:

  • Contractual liability defence costs
  • Corporate killing
  • Pollution
  • Social media/public relation consultancy fees
Legal Expenses

This includes the cost of defending employment disputes; defending prosecution from matters arising from legislation. It will also cover accountancy and legal costs.

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