Cyber Insurance
Be cyber confident with a globally trusted policy
In today's digital world, businesses are increasingly exposed to new and evolving cyber crime, putting key assets like finances and customer data at risk. That’s why Travelers offers robust and thorough cyber cover – from prevention education to impact mitigation.
Our cyber insurance policy offers an industry-leading and comprehensive product selection, and we have doubled the size of our cyber team to better assist our partners and customers. With Travelers, businesses can count on cyber protection from every angle. Pre. Post. Always.
Explore cyber subsectors
SME cyber
Whatever the size of a business, cyber security is vital. Our services, covers and expertise can mitigate cyber attacks and help prevent them.
Mid-market & corporate cyber
The world of cyber risk is constantly changing. We help companies maintain their edge through cover enhancements that help them prepare for and overcome ever-evolving cyber challenges.
Cyber insurance at Lloyd’s
Through our cyber at Lloyd’s offering we are able to support our global clients located in jurisdictions all over the globe.
Spotlight video: Cyber Insurance
Discover the key highlights of our Cyber Insurance in just four minutes. Watch Matt Hogg, Head of Cyber, as he explains who our cover is designed for, why cyber insurance is essential for businesses of every size, and what sets Travelers apart in an evolving threat landscape.
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Logo: A red umbrella. Text: Travelers. Spotlight on Cyber Insurance. Overview of Travelers Cyber Offering. Matthew Hogg, Head of Cyber
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Matthew Hogg: At Travelers, we understand that the Cyber threat landscape continues to evolve for all businesses.
Although high profile breaches capture the headlines, no organisation is immune to a Cyber attack.
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Text: No organisation is immune to a cyber attack
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Matthew Hogg: With nearly half of UK SME’s being impacted by a cyber incident in the past 12 months, at Travelers we are here to support every customer in building their cyber resiliency and their response to an attack. Travelers is a specialist insurer that has developed a market leading Cyber proposition which supports customers on their cyber risk journey.
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Text: Pre-breach services:
- Scanning technology
- Vulnerability alerting
- Tabletop exercises
- MFA implementation
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Matthew Hogg: From ‘pre-breach’ services such as our scanning technology, vulnerability alerting, tabletop exercises, and MFA implementation, we ensure clients are investing their cyber technology spend in the right areas.
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Text: Coverage includes:
- Ransomware
- Business interruption
- Any one claim
- Bodily injury & property damage
- IT system improvements
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Matthew Hogg: In the event of an attack our product offering includes ransomware coverage, business interruption loss, any one claim crime, bodily injury and property damage coverage, as well as improvement to IT systems post-event. In short, Travelers provides a critical financial back stop.
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Text: Why does a business need this insurance?
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Cybercrime isn’t just about data it’s frequently about disruption.
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Text: Cybercrime isn’t just about data – it’s about disruption
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Matthew Hogg: Even with strong protections in place, ransomware can still critically impact a business. The effects of an attack can include locked systems, halted production, reputational damage, or even regulatory investigations. The effects can be immediate and far-reaching.
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Text: Effects of an attack:
- Locked systems
- Halted production
- Reputational damage
- Regulatory investigation
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Matthew Hogg: Another considerable threat is Business Email Compromise and social engineering fraud, as AI and automation deliver more sophisticated attacks.
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Text: Accounting for nearly half of cyber claims in the last 5 years
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Matthew Hogg: These account for nearly half of the cyber claims that we have handled in the last five years, showing just how real and present the financial and operational risks are.
Our cyber offering gives businesses peace of mind, with expert support and careful guidance when the unexpected happens.
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Text: Who is Travelers Cyber product for?
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Matthew Hogg: At Travelers, we have a broad appetite when it comes to cyber risk. We work with businesses of all sizes from sole traders right up to large international corporations, here in the UK and around the world.
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Text:
- Sole traders to large international corporations
- UK and worldwide
- Company and Llyod’s Syndicate coverage
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Matthew Hogg: Through our Company and Lloyds Syndicate, we can support customers wherever they operate, tailoring cover to fit the scale and complexity of their business.
Our experience spans multiple industries, from professional services and financial institutions through to healthcare, manufacturing and construction.
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Text: The right protection and support when it matters most
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Matthew Hogg: No matter your sector or your size, we’re here to provide the right protection and support when it matters most.
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Text: Why Travelers?
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Matthew Hogg: With strong financial backing and a global reach, Travelers continues to invest in Cyber capabilities to support clients at every stage of the cyber risk lifecycle.
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Text: 5-Star Insurance Business UK award
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Matthew Hogg: Our Cyber product has been recognised with a 5-Star Insurance Business UK award, reflecting our commitment to exceptional protection and service. That same dedication extends to our claim team, also a 5-Star award winner, guiding clients through response and recovery with care and expertise every step of the way.
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Text: Cyber Wellness Initiative
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Matthew Hogg: We go beyond traditional cover too, with our Cyber Wellness Initiative supporting the mental wellbeing of clients after a cyber event, a real reflection of Travelers’ people-first approach.
Whilst cyber risks are often unseen and unpredictable, Travelers’ cyber cover and support is a constant presence, a trusted partner in managing the unforeseen and often, the completely unknown.
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Text: A trusted partner managing the unforeseen and unknown
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Logo: A red umbrella. Text: Travelers. This video is provided for general informational purposes only. It does not, and it is not intended to, provide legal, technical or other professional advice, nor does it amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Travelers. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law. Travelers operates through several underwriting entities in the UK and Europe. Please consult your policy documentation or visit the websites below for full information. travelers.co.uk travelers.ie
2026 IBUK 5-Star Cyber Award
We’re thrilled to announce that we’ve been rated a '5-star' cyber insurer by Insurance Business UK, as voted by brokers! Chris McMurray, Managing Director for cyber said, “The award is recognition of the amazing work done by the Travelers team. We are proud to be providing our clients with valuable Cyber underwriting, risk and claims solutions."
Travelers advantage
In a world of growing digital crime, cyber operations don’t always go to plan. Travelers offers expertise you can count on to both prevent and address the evolving digital risks businesses face, thanks to a detailed and bespoke underwriting and risk management process.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Dedicated risk managers & consultants. Access to risk consulting from trusted experts.
- Travelers Cyber Risk Services. With monitoring, tools and services at no additional cost that help to predict and prevent cyber threats.
- SentinelOne® platform. Access to SentinelOne platform for 30 days at no additional cost for current cyber policyholders.
- NetDiligence® eRiskHub. Access to the NetDiligence eRiskHub portal for policyholders and brokers.
- Cyber breach hotline. 24/7/365 access to a team of experts to respond fast to your breach needs. Tel +44 (0)800 587 8388 (press 2 for cyber).
Advantage spotlight
You’ll be keen to know about the following.
Comprehensive cyber support
It takes only one cyber event or data security breach to impact a company's financial results, or even put them out of business. One resourceful hacker, virus or system glitch could shut down an entire network within minutes, paralysing operations and, ultimately, the ability to earn income.
CyberRisk Insurance from Travelers has a range of advantages to aid both prevention and recovery regarding these events.
Pre-breach
- Endpoint Detection and Response (EDR) solution via SentinelOne – 30 days at no additional cost
- Cyber Resilience Readiness Assessment – online assessment to understand a policyholder’s current cybersecurity position
- One hour of cyber security professional coaching to help businesses interpret the results of the assessment and understand how to implement preventative measures
- Risk Management Expertise – topical insights on cyber trends
Post-breach
- Betterment – an insurance clause that provides coverage for costs to improve a computer system after a security breach, when the improvements are recommended to eliminate vulnerabilities that could lead to a similar breach
- Existing access to Travelers’ data breach coach partner
- Benefit of access to the Travelers U.S. panel of pre-approved experts who will be available to provide support in a number of areas including:
- Forensic investigation
- Forensic accounting
- Notification/credit monitoring
- Public relations/crisis communication
- Distributed denial of service attack response
- Customers also have the flexibility to work with specialists of their own, subject to a quick approvals process by Travelers
Always
- Our response team is at the heart of our cyber offer, available 24/7. With a dedicated incident manager, specialist IT forensics and reputational experts all working together to minimise the impact of a breach. Our role is to put a virtual arm around a business’s shoulders and guide them through the process to resolution.
- Cyber awareness training needs – various training modules available exclusively for Travelers’ policyholders
- Risk management advice from our in-house resource
Pre. Post. Always. Cyber protection from every angle. For more information visit our Cyber Support Services page.
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Case studies
International ransomware attack
The Policyholder (PH) reported that they discovered that their IT system had been infected with malware. They subsequently discovered that the malware was a new strain of ransomware that the PH’s antivirus detection system was unable to detect. The virus quickly infected and encrypted systems throughout the PH’s organisation, including their offices in the United States and the United Kingdom. All systems were locked, the PH closed all of its field offices and operations as their headquarters were significantly impacted.
The PH received a ransom demand of £10,000 in bitcoin to unlock the encryption. The ransom was paid but the encryption key was not released.
As a result, the PH was required to restore system operations from their backup files. Although the PH had backup files that were only a few days old, restoring full capacity system-wide took more than two weeks.
In addition, there was some indication of compromise of confidential information stored within the PH’s system. It became necessary to conduct a forensic investigation to determine the extent of the intrusion. There were ultimately no third-party claims. The total insured loss was more than £70,000. The major expense items were: a breach coach, a forensic consultant, business interruption and other expenses.
Municipal ransomware attack
This Policyholder (PH) discovered this incident when she attempted to access data and was unable to open an application. Ultimately, all of the PH’s software applications were impacted and locked out, including all Microsoft Windows applications and all mainframe applications. The PH then received a ransom demand. At the time of the demand, all of the PH’s system applications were locked out, including emergency services and local authority systems.
A forensic investigation confirmed that the malware placed on the PH’s systems was designed only to encrypt – there was no exfiltration of data and no access to or acquisition of personally identifiable information. The PH received an email from the cyber-criminals containing a ransom demand, and subsequent follow up confirmed that the cyber-criminals were located outside of the UK.
The cyber-criminals demanded a ransom of £5,000 to £8,000 payable in bitcoin. The ransom was ultimately negotiated and paid through use of a breach coach, and the decryption key was released, allowing the PH to restore full system functionality.
The total insured loss was more than £25,000. The major expense items were: a breach coach, a forensic consultant, payment of the ransom and expenses related to restoring the PH's system.
Phishing attack
This matter arose from a phishing attack that occurred when cyber-criminals posing as Microsoft employees tricked a Policyholder’s (PH) employee into granting remote access to its system. Once access was granted, the cyber-criminals accessed more than 12,000 individual patient records dating back to 1994. The PH’s IT department and a forensic investigator confirmed that the personally identifiable information of current and former clients had been stolen, including driver’s licence numbers, dates of birth and national insurance numbers.
A breach coach was retained and coordinated notice and communication with the ICO and other relevant authorities. In addition, the breach coach coordinated notice to the impacted individuals. The notice required a press release, individual written notice, staffing of a call centre and credit monitoring for clients who elected the coverage. There were no third-party claims made before or after notice to the current and former clients.
The total insured loss was more than £50,000. The major expense items were: a breach coach, a forensic consultant, public relations expenses, notice and call centre expenses, and the cost of credit monitoring for clients who requested the service.
Learn about cyber
For business (Opens in a new window)
Use the Association of British Insurers’ online cyber safety tool to help protect your business and get a free tailored action plan.
Learn about cyber
For brokers
With our comprehensive training, we can help you become and stay cyber security savvy, supporting you to build your cyber book.
Related services
Risk services
Businesses aren’t all alike. That’s why Travelers provides superior risk management services tailored to a company’s specific needs.
Claims services
When claims happen, our best-in-class service helps to resolve them quickly and effectively, so clients can get back to business.
Insights & industry knowledge
Knowledge that keeps you one step ahead
Cyber Security Resources
Q2 2025 Cyber Threat Report
See more in the Traveler Q2 2025 Cyber Threat Report which reveals a decline in overall cyber attacks but sustained high levels compared to long-term averages.
Cyber Security Resources
Travelers Cyber Risk Services
Travelers Cyber Risk Services helps businesses detect, prevent, and respond to cyber attacks with expert guidance, real-time monitoring, and training.
Cyber Security Resources
Helping SME’s Demystify Cyber Insurance Webinar
Discover real SME cyber claim scenarios and learn how cyber insurance and Cyber Risk Services help brokers support clients against BEC and ransomware threats.
