Skip to content

Cyber insurance, what does it actually cover for SMB?

A cyber policy covers three buckets: incident response, own loss, third-party liability. The exclusions are long. Read before you sign, not after.

Try this first

  1. 1Usually covered: incident response (forensics, restore, comms), business interruption, data recovery, legal costs of breach notification.
  2. 2Often covered: ransomware payment (NL sanctions law may already block this in practice), social-engineering fraud (CEO fraud) up to a sub-limit.
  3. 3Often excluded: unpatched known vulnerabilities, missing MFA, missing backup. Insurers send a security questionnaire upfront, dishonesty there voids cover.
  4. 4Take it or not? Under 10 staff often not worth it. Above 25 staff with customer data or strong IT dependency, usually yes. Compare a few quotes side by side, policies differ widely.

When to bring us in

Filling out an insurer questionnaire without a technical second pair of eyes is risky. We do this with clients to avoid hitting exclusions after the fact.

See also

None of the above fits?

Describe your situation below. We pass your input plus the steps you already saw to our AI and return tailored next-step advice. If it's too risky to DIY, we'll say so.

Who are you?

For the AI question we need your email and company, so we can follow up if the AI gets stuck, and to prevent abuse.

Limited to 2 questions per hour and 5 per day, kept lean so the AI stays useful. For more, contacting us directly works better for you and us.

Or skip the DIY entirely

Our Managed IT clients do not look these things up. One point of contact, a fixed monthly price, resolved within working hours.