Description

When a cyber incident hits—whether it's malware, ransomware, phishing, or data theft—speed and expertise are critical. An incident response team is the first line of defence, helping to assess the breach, contain the damage, and restore systems safely. Cyber insurance often provides direct access to a team of security experts, forensic analysts, crisis managers, and even PR consultants, ensuring the right professionals are mobilised immediately.

For a small to medium-sized business, a breach can mean downtime, reputational damage, lost customers, and even legal exposure. Without a plan or the technical resources, many SMEs are left scrambling—costing them time, money, and credibility. Incident response coverage fills that gap by handling the triage, so business owners aren't making critical decisions under pressure alone.

The insurance typically covers costs such as forensic investigations, data recovery, customer notifications, and even communications support to reassure stakeholders. Some policies also include monitoring services to detect future threats. It's not just about cleaning up—it's about minimising disruption and protecting your brand from lasting harm.

In short, incident response cover ensures you don't face a cyber attack alone. It gives you a rapid, professional response that can be the difference between quick recovery and prolonged chaos.