skip to main content
Travelers Logo
  • Contact Us
  • Travelers atLloyd's
Log in
Main Navigation
  • Industries
      • Industries
        • Automotive
        • Education
        • Financial Institutions
        • Healthcare
        • Hotels
        • Legal Sector
        • Advanced Manufacturing
        • Professions
        • Public Sector
        • Real Estate
        • Technology
        • Transport
        • Warehouse & Distribution
        • Multinational
    • Technology Sector

      Helping the Technology Sector Innovate

      To help our clients' manage their quickly evolving priorities, we underwrite technology products individually and study the sector’s current and emerging exposures.

      Learn more
  • Products & Services
      • Products
        • Cyber
        • Management Liability
        • Professional Indemnity
        • Professional Indemnity Combined
        • eTrade Cargo
        • eTrade Office
        • Office
        • Corporate
        • Combined Packages
        • Legal Expenses
        • Liability
        • Kidnap & Ransom
        • Personal Accident
        • Property
      • Services
        • Claims Services
        • Risk Control Services
        • Travelers Legal
        • SME Insurance
    • Products and Services

      A Shield from Cyber Threats

      Customer data is a critical asset for businesses – and an attractive target for criminals. As cyber crime becomes more complex, businesses need to have up-to-date protections in place.

      Learn more
  • Why Travelers
      • The Travelers Advantage
      • About Us
        • Travelers' History
        • Leadership Team
        • In the News
        • Careers
        • Charity & Social Responsibility
    • About Us

      About Us

      Our local experts are backed by the support of a global team.

      Learn more
  • For Small Business
      • For Small Business
      • Legal Sector
      • Shop
      • Office
      • Business Guide
        • Protecting Your Business
        • Growing Your Business
        • Running Your Business
        • Building Your Team
    • Small Business

      Growing your Business

      Browse our articles and insights on how to grow your small business.

      Learn more
  • For Brokers
      • Working with Travelers
        • Find our Underwriters
        • Know our Appetite 
        • Partner With US
        • Schemes
      • Broker Resources
        • Product Statements
        • Documents and Forms
        • MyTravelers® Broker Portal
    • Technology Sector

      Access the MyTravelers® Broker Portal

      We designed our online broker portal with your business requirements in mind.

      Log in or Register
  • Claims Centre
      • Claims Process and Support
      • Make a Claim
      • Travelers Legal
      • Claims Forms
      • Claims FAQs
    • Claims Center

      Making a Claim

      Our dedicated team of skilled claims professionals is available 24/7 to guide you through the process of making a claim with Travelers.

      Learn more
  • Industries
    • Industries
      • Automotive
      • Education
      • Healthcare
      • Hotels
      • Legal Sector
      • Advanced Manufacturing
      • Professions
      • Public Sector
      • Real Estate
      • Technology
      • Transport
      • Warehouse & Distribution
      • Multinational
  • Products & Services
    • Products
      • Cyber
      • Management Liability
      • Professional Indemnity
      • Professional Indemnity Combined
      • eTrade Cargo
      • eTrade Office
      • Office
      • Corporate
      • Combined Packages
      • Legal Expenses
      • Liability
      • Kidnap & Ransom
      • Personal Accident
      • Property
    • Services
      • Claims Services
      • Risk Control Services
      • Travelers Legal
      • SME Insurance
  • Why Travelers
    • The Travelers Advantage
    • About Us
      • Travelers' History
      • Leadership Team
      • In the News
      • Careers
      • Charity & Social Responsibility
  • For Small Business
    • For Small Business
    • Legal Sector
    • Shop
    • Office
    • Business Guide
      • Protecting Your Business
      • Growing Your Business
      • Building Your Team
  • For Brokers
    • Working with Travelers
      • Find our Underwriters
      • Know our Appetite 
      • Partner With US
      • Schemes
    • Broker Resources
      • Product Statements
      • Documents and Forms
      • MyTravelers® Broker Portal
  • Claims Centre
    • Claims Process and Support
    • Make a Claim
    • Travelers Legal
    • Claims Forms
    • Claims FAQs
  • Contact Us
  • Travelers At Lloyds
  • Home
  • Products
  • Cyber

         

  • Education & Insights
  • Cyber insurance product
  • MyTravelers
  • Broker Support

Be cyber confident: CyberRisk Insurance

With access to helpful tools, the advice of expert underwriters and a streamlined quoting journey, Travelers offers class-leading support to sell cyber insurance more effectively to your SME clients. Partnering with us gives you the confidence to support their business and advance your reputation before, during and after a cyber event.

The world of cyber risk is constantly evolving. So we have made a number of enhancements to our product to further help businesses of all shapes and sizes prepare for and overcome the ever-increasing cyber challenges. 

CyberRisk

Betterment

Costs to improve a computer system after a security breach, when the recommended improvements eliminate vulnerabilities that could lead to a similar breach.

Social Engineering Fraud

Loss of money or securities due to fraudulent instructions committed by someone purporting to be the Insured’s  employee, client, or vendor

Vendor or Client Payment Fraud

Covers lost products or funds owed to the Insured where, due to a security breach, the insured’s client or vendor is duped into sending money or products to a fraudster rather than the rightful recipient

Business Interruption

Additional coverage triggers of system failure or voluntary shutdown of a computer system

Reputation Harm

Lost business income that occurs as a result of damage to a business’ reputation when an actual or potential cyber event becomes public

Accounting Costs

Fees or costs of a forensic accounting firm to calculate Income Loss, even if this shows there has been none

Extra Expenses

Now includes replacement of Non-Functional Equipment (often referred to as ‘Bricking’ coverage)

Breach Response cover

Nil Excess applies when notification of a first party event is provided within 72 hours of discovery (for insureds with a turnover below 50million)

Liability cover

Now automatically extended to include Independent Contractors and Additional Insureds (third parties the Insured agrees to name)

Money definition

Includes virtual currency

Policy wording

Simplified layout with all insuring clauses under an individual section now grouped together

HCL Technologies Risk Management

Enhanced suite of risk management materials available to all CyberRisk Insureds, including:

  • Cyber resiliency assessment, followed by access to HCL Technologies Security Coach Helpline to discuss results and how to best improve the Insured’s cyber security
  • HCL Technologies Cyber Security Awareness Training, provided via HCL Technologies cloud-based learning management system
  • HCL Technologies Service Discounts

Insuring Clause

Old sub-limit

New sub-limit

Computer Fraud

25,000

100,000

Telecom Fraud

25,000

100,000

Fraudulent Impersonation (formerly Funds Transfer Fraud)

25,000

100,000 or 10% of policy aggregate, whichever is less

Dependent Business Interruption

10,000

100,000 or 10% of policy aggregate, whichever is less

Payment Card Expenses (PCI)

50% of policy limit

100% of policy limit

Damage to Computer System

10,000

100% of policy limit (now included under Extra Expense)

 

Other limits may be available upon request

          

Quick Links for Brokers

Documents and Resources:

  • Our Cyber Appetite
  • Cyber Factsheet
  • Broker sales pack
  • Client education pack
  • CyberRisk Overview [ebook]
  • MyTravelers 
  • Cyber on MyTravelers FAQs
  • Sample Wording

Insights:

  • Limiting exposure during COVID-19 [article]
  • A company's best protection against cyber crime [article]
  • Closing the protection gap [article]
  • Full Education & Insights page

Partnering with Experts

Net Diligence®

We have a dedicated eRisk hub for our insureds and brokers provided through NetDiligence®, a privately-held cyber risk assessment and data breach services company.

Since 2001, NetDiligence has conducted thousands of enterprise-level cyber risk assessments for a broad variety of organisations, including public entities, financial services, retailers, software developers, medical providers and universities. NetDiligence services are used by leading cyber liability insurers in the U.S. and U.K. to support both loss-control and education objectives.

Cyber pre-breach services from HCL Technologies (formerly Symantec)

Through our partnership with HCL Technologies, we provide the following pre-breach risk management services to help clients better understand cyber risk, and minimise their exposure to a potential cyber event: 

  • Cyber Resilience Readiness Assessment and Cyber Security Professional Consultation - an online evaluation of an organisation’s cybersecurity readiness, in addition to a written report and a 1-hour consultation with an HCL security professional to help improve areas of vulnerability.
  • Cyber Security Awareness Training - a set of cloud-based learning courses HCL has designed to promote proactive employee behaviour, and to help defend against cybersecurity threats.
  • Risk Management Expertise - topical insights on current cyber related trends, risks and threats that face organisations in today’s business environment.

We have recently expanded our offering, so now non-policy holders can access our pre-breach services too. If you plan to market Travelers cyber insurance to a client* who could benefit from a consultation with HCL, you can direct them to HCL without even informing Travelers. There is no cost for this service - even if a client does not proceed to purchase cyber insurance from Travelers.

Clients can get in touch directly with HCL by phone on +44 (0)800 587 8366 or emailing sed.cicsecuritycoach@hcl.com. A professional from HCL will respond to arrange a time to speak.

*Available to clients seeking cyber insurance via either the Travelers CyberRisk product or the Travelers Technology/Medical Technical package.

    

Customers

For more information about how to protect yourself from Cyber attacks or to access policy holder benefits such as the eRiskHub please click the button below.

CyberRisk Hub

Brokers

If you’re interested in receiving a quotation or would like to learn more about our capabilities, request a call back from our Cyber Experts below.

  

Contact us

      

Related Content

Selling Cyber

Our Cyber and Distribution experts explore the keys to unlocking successful cyber sales for brokers.

Cyber Breach Live: DIY event

How do cyber attackers infiltrate an SME? And what are the stages in responding to an attack? Take your clients through it all with our Cyber Breach Live content toolkit. Complete the form here to access the content.

Demystifying CyberRisk

Our experts go through three key cyber knowledge areas to enable brokers to speak confidently about CyberRisk; terminology, losses and insurance gaps.

Remote working & Return to Office Risk

We partner with experts in Cyber Security to deliver expertise on managing the risks with a return to office after prolonged remote working. We answer four key questions, with real life examples enabling brokers to start conversations with clients.

Cyber Ion Homescreen

Cyber Risk for Sectors

Use our risk scenario tool to explore the areas of dangers for particular industries.

Person working on iPad

Cyber Terms 101

When it comes to cyber terminology it can all be a bit daunting, so we’ve compiled a handy glossary guide to help you speak the lingo.

People at desk

Ransomware Landscape

Ransomware is the fastest growing malware threat, targeting users of all types — from the home user to the corporate network. Download our infographic of the current landscape (updated 13/10/2021).

woman on tablet

Cyber in seconds

Cyber can be a difficult topic to explain to clients, but our 'Cyber in seconds' videos can help conversations.

Woman on phone

Cyber Academy

Travelers Cyber Academy helps brokers and businesses understand the emerging cyber trends whilst highlighting relevant issues and sharing preventative measures to keep businesses safe.

Cyber Security Assessments Front cover

Cyber Security Risk Assessments whitepaper

Thought leadership outlining six steps to a successful Cyber Security Risk Assessment 

Cyber Siege SMEs Front cover

The Cyber Siege of SMEs

Our whitepaper exploring the cyber risks that SMEs can face

Related Services

Claims Services

When claims happen, our best-in-class service helps you resolve them quickly and effectively so you can get back to business.

Risk Services

Businesses aren't all alike. That's why Travelers provides superior risk management services tailored to the specific needs of your company.

Travelers logo

© 2023 The Travelers Indemnity Company. All rights reserved.

  • Travelers on Twitter
  • Travelers on LinkedIn
Offerings
  • Industries
  • Products
  • Services
  • For Small Businesses
  • For Brokers
  • Business Guide
  • Claims Process and Support
Why Travelers
  • The Travelers Advantage
  • About Us
  • Careers
  • Leadership Team
  • Sustainability
Connect
  • Contact Us
  • MyTravelers®
Legal & Compliance
  • Cookies & Privacy Policy
  • Terms & Conditions
  • Modern Slavery Act Statement
  • Brexit