Cyber Insurance


Confidence in the face of ever-evolving risks



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Specialist cyber cover backed by expert support

Cyber threats are becoming more complex, frequent, and disruptive. Cyber Insurance from Markel is designed to help brokers and clients cut through that complexity with specialist cover, expert support, and practical services before, during, and after a cyber incident. Click the button below to download the Cyber technical documents as a bundle, or you can also download them individually.

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Request Acturis activation

Cyber Insurance is now available via Acturis. Complete this form to ensure you can get a quote from Markel.

Request Markel Hub Access

Markel Hub is your new one-stop shop for working with Markel, bringing together the tools, resources, and support you need in one place.

How do I get a quote for Cyber Insurance?

We’re committed to serving our brokers with the exceptional service and quick decisions they rely on – however they choose to trade.

You can now trade our Cyber Insurance product via Acturis. 

You can request Markel Products to be activated here.

You can access our Cyber Insurance trading routes through Markel Hub, combining digital convenience with the specialist expertise and support brokers expect from Markel.

If you already have an account, you can log in here.

Alternatively, you can request access here.

Our Cyber Insurance product is available to trade manually on the open market. Request a quote for your client today via the following methods:

Proposal Form
You can download our Cyber Insurance proposal form here, and submit it to ukcyber@markel.com.

Existing Market Presentation
If you have an existing risk profile for your client, you can email this to ukcyber@markel.com.

Telephone
If you wish to discuss the risk with our specialist underwriters, you can get in contact with the team via the phone on 0345 351 2600.

What makes Cyber Insurance different?


Market-aligned cover with clear points of difference

Our Cyber Insurance solution is built to address the realities of modern cyber risk, combining specialist cover with practical support services that help businesses build resilience and recover more effectively from cyber-attacks.

Cover that goes beyond the core policy

The policy includes key cover enhancements and market-leading features based on the needs of both brokers and SMEs in the sector, such as Any One Claim limits, nil deductible options, technology services liability, contingent bodily injury, Non-IT critical service provider business interruption, dependent customer business interruption, loss of stock, betterment, post-breach remediation costs, and tender disruption.

Support before, during, and after a cyber incident

Our value-add services help clients strengthen their resilience before an incident, access specialist support when an incident occurs, and recover with confidence afterwards. This includes pre-breach services, incident response and post-breach support, and broader business support through Markel’s wider service ecosystem.

Expertise across underwriting, claims, and legal support

Cyber Insurance from Markel is backed by a dedicated cyber team, including regionally aligned development underwriters and senior underwriters who understand local markets and can support brokers throughout the placement journey. Claims are managed in-house by our specialist teams, with 24/7 access to experienced cyber incident response professionals when required.

Designed to help brokers sell Cyber with confidence

Cyber can be complex to explain, compare, and place. That’s why our proposition brings together specialist cover, clear product information, practical broker resources, and flexible ways to trade.

What does Cyber Insurance protect against?

Our Cyber Insurance solution brings together more than 40 coverages and extensions across four core areas of cover, with additional extensions available depending on the policy terms, conditions, and limits selected.

  • Cyber and privacy liability: Covers damages and claims expenses arising from actual or alleged security failures.
  • Regulatory investigations and fines: Helps businesses manage the financial impact of regulatory investigations following a cyber incident, covering defence costs and insurable fines and penalties where legally permissible. 
  • Media liability: Provides protection against claims arising from digital content, marketing activities and media publications, including allegations such as defamation, infringement of intellectual property rights and other media-related liabilities..
  • Technology services liability: For technology trades, covers claims arising from actual or alleged technology services liability wrongful acts.
  • PCI DSS investigations and fines: Supports businesses that handle payment card data by covering the costs associated with PCI DSS investigations, assessments, fines and penalties arising from a security breach or cyber incident.
  • Cyber and privacy management liability: Pays damages and claims expenses resulting from any claim first made against your director during the period of insurance in respect of any actual or alleged director wrongful act in connection with the business.
  • Conditional bodily injury: Provides cover where bodily injury results directly from a cyber-related security failure, subject to policy terms.
Incident response and crisis management covers

  • Privacy breach notification and mitigation costs: Covers costs such as forensic investigation, legal advice, notifications, credit monitoring, call centre support, and public relations following a security failure.
  • System and data rectification costs: Covers the cost of restoring, replacing, rebuilding, or reinstating computer systems following a security failure.
  • Extortion costs: Covers costs connected to dealing with, containing, or responding to an extortion threat, with the insurer’s prior written consent.
  • Your business interruption – security failure: Covers business interruption caused by an interruption or degradation of computer systems due to a security failure.
  • Your business interruption – system failure: Covers business interruption caused by an interruption or degradation of computer systems due to a system failure.
  • Reputational harm: Covers reputational harm resulting from an adverse media event caused by a security failure.
  • Critical service provider business interruption – security failure: Covers business interruption caused by a security failure affecting a critical service provider’s computer systems.
  • Critical service provider business interruption – system failure: Reimburses you for your business interruption solely as a result of an actual interruption or degradation of a critical service provider's computer system which is caused by a system failure.
  • Non-IT critical service provider business interruption: Covers business interruption caused by disruption at a non-IT critical service provider, where the disruption results from a security failure or system failure.
  • Dependent customer business interruption: Covers business interruption resulting from a cyber incident affecting a dependent customer’s computer systems.
  • Loss of stock: Covers costs arising from damage to perishable stock caused by a security failure affecting temperature control or monitoring systems.
  • Cyber theft: Covers direct financial loss resulting from cyber theft.
  • Cyber theft of client or customer funds under the insured’s control: Covers customer financial loss resulting from security failure or social engineering theft of customer funds held in an account in the insured’s name.
  • Social engineering – customer’s financial assets: Covers customer financial loss resulting from social engineering theft from a customer’s bank account that the insured had access to.
  • Social engineering – insured’s financial assets: Covers direct financial loss resulting from social engineering theft of funds.
  • Social engineering – insured’s physical assets: Covers direct financial loss resulting from physical property being sent to an unintended third party through social engineering theft.
  • Invoice manipulation: Covers customer financial loss resulting from invoice manipulation.
  • Push payment theft: Covers push-payment loss resulting from push-payment theft.
  • Theft of director’s personal funds: Covers financial loss suffered by a director as a result of theft of personal funds.
  • Corporate identity theft: Covers direct financial loss resulting from corporate identity theft.
  • Court attendance compensation: Provides compensation linked to court attendance, subject to policy terms.
  • Employee indemnification: If requested, we will treat a claim made against an employee as if the claim were made against the insured.
  • Joint ventures/consortia: Extends cover to claims arising from participation in declared joint ventures or consortia.
  • Optional extended reporting period: Provides the right to purchase an extended reporting period for an additional premium.
  • Indemnity to other parties: Provides indemnity to other parties where their interest must be noted under the policy.
  • Reward coverage: Covers reward payments offered for information leading to the arrest and conviction of those responsible for relevant crimes.
  • Betterment: Covers reasonable and necessary costs to repair, replace, or upgrade computer systems where there is no reasonable alternative.
  • Bricking costs: Covers costs to replace computer systems rendered unusable as a result of a security failure.
  • Voluntary shutdown: Covers business interruption resulting from a voluntary shutdown necessitated by a security failure.
  • Regulatory shutdown: Covers business interruption resulting from a regulatory shutdown necessitated by a security failure.
  • Telecommunications fraud: Covers direct financial loss from unauthorised access to, or use of, telephone systems as a result of a security failure.
  • Crypto-jacking: Covers unauthorised access to, or use of, computer systems to mine or generate cryptocurrency or electronic tokens.
  • Crisis response costs: Covers reasonable costs incurred to investigate an incident, obtain legal advice, notify affected parties, manage reputational harm, and obtain specialist advice if extortion is involved.
  • Post-breach remediation costs: To reimburse post-breach costs to investigate the incident, identify weaknesses, implement improvements, and provide staff training to strengthen cyber resilience and reduce the risk of future incidents.
  • Tender disruption: Covers loss of bid participation costs where a cyber incident prevents participation in a tender, bid, or competitive process.

Who is Cyber Insurance for?

Cyber Insurance is designed for SMEs and mid-market businesses with turnover up to £250 million.


With broad underwriting appetite across the majority of SME and mid-market sectors, and more than 3,400 trades set to accept within the product build, brokers can trade confidently across a wide client base, knowing protection can flex and grow as client needs evolve.

  • Target Appetite
    • Advertising
    • Agriculture, forestry and fishing
    • Architects and Engineers
    • Art and culture
    • Chemical products
    • Childcare
    • Colleges and university
    • Construction industry
    • Construction materials
    • Consultancy
    • Contractor company
    • Education
    • Film, radio and TV
    • Fishing
    • Food & beverages
    • Forestry
    • Furniture
    • Graphic printing and publishing companies
    • Heavy industry
    • High tech
    • Horticulture
    • Information and communication
    • IT services
    • Legal and administrative services
    • Libraries
    • Light industry
    • Machinery
    • Mail and courier
    • Maintenance
    • Management
    • Manufacturing
    • Metalworking
    • Museum
    • Occupational health and safety services
    • Paper and Cardboard
    • Photography
    • Primary school
    • Real Estate
    • Restaurant/cafe
    • Retail
    • Rubber and Plastic
    • Scouting
    • Secondary schools
    • Security and Investigation
    • Shopping centres
    • Storage
    • Swimming pools
    • Textiles and Clothing
    • Theatre company and performing arts
    • Tourism
    • Vehicles
    • Volunteer organisation
    • Waste processing
    • Water purification
    • Wholesale

  • Refer
    • Advocacy
    • Broker
    • Care
    • Clinic
    • Electricity generation
    • Financial
    • General practitioners
    • Hotels
    • Insurance
    • Interest organisation
    • Lender
    • Mineral extraction
    • Nursing home
    • Petroleum and Natural Gas
    • Pharmaceutical
    • Physiotherapy
    • Religious institutions
    • Sea transport
    • Semi public
    • Sports and recreation
    • Sports association
    • Telecommunications
    • Transhipment
    • Transport
    • Utility

  • Polite Decline
    • Action group (lobbying group)
    • Adult Industry
    • Air transport
    • Banks and building societies
    • Gambling
    • Government organisations
    • Hospitals
    • Insurer
    • Investment company
    • Liquor and tobacco

Going beyond traditional insurance

A Cyber Insurance policy from Markel offers more than protection. Policyholders can access practical tools, expert advice, and business support services designed to help them strengthen resilience before an incident, respond quickly when one occurs, and recover with confidence.

Pre-breach support

From risk scanning that provides easy-to-understand insights into cyber exposures, including prioritised actions and benchmarking, to incident and breach response resources that help businesses prepare for, respond to, and recover from cyber incidents. Policyholders can also access Markel Law's complimentary contract review service, helping identify cyber-related contractual risks and providing practical recommendations to support stronger risk management and resilience. Businesses can also access webinars and educational materials on emerging threats.

Incident Response and Post-breach

Our breach response team offers advice at First Notice of Loss to contain the impact and reduce further damage, while specialist loss adjusters work alongside you and Markel Claims to manage the claims journey. Supported by PR guidance and practical crisis management advice (claims-activated service), alongside specialist claims handling, businesses receive expert support throughout a covered breach and the recovery process.

Business Support

Resources to support your business operations include Business Hub, providing access to advice, templates, training resources, and practical tools. Business and legal helpline offers 24/7 support on issues, including HR, employment law, and health and safety. And our tax and VAT helpline gives direct access to experts who can help with complex tax and VAT matters.


Download the Value-Add Fact Sheet

Product Documents

Description Document Type Download

FAQs

  • Why do businesses need Cyber Insurance?

    Cyber-attacks can affect organisations of any size and any sector/industry, leading to financial loss, operational disruption and reputational damage. Cyber Insurance helps businesses recover from these events by providing specialist cover alongside expert support before, during and after an incident.

  • What types of cyber incidents are covered by Cyber Insurance?

    Cyber Insurance from Markel is designed to protect businesses against a wide range of cyber risks, including data breaches, cyber-attacks and other forms of cyber-crime. The policy also includes cover for incident response and a range of extensions and support to help businesses recover quickly and minimise disruption.

  • Does Cyber Insurance from Markel include support after a cyber incident?

    Yes. In addition to financial protection, our Cyber policy provides access to specialist support to help businesses respond to and recover from cyber incidents. Policyholders also benefit from practical cyber risk guidance and business support services designed to strengthen their resilience before and after an incident.

  • Can I trade Markel Cyber Insurance digitally?

    Yes. Brokers can obtain quotes and place business through Acturis or Markel Hub, depending on their preferred way of working. For more complex risks, our specialist underwriting team is also available to provide support through the open market.

  • Is Cyber Insurance available through Acturis?

    Yes, our Cyber Insurance is available through Acturis. Brokers can also trade via Markel Hub or speak to our specialist underwriting team about more complex risks.