What does cyber insurance cover?

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Cyber insurance typically covers:

  • incident response and forensic investigation
  • data recovery and restoring systems
  • lost income while you’re offline
  • legal costs and regulatory fines where they’re insurable
  • notifying affected customers
  • claims from third parties whose data was exposed

Many policies also include a 24-hour emergency helpline. Cover varies between policies, so check what’s included and any conditions, such as having MFA and backups in place.

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