Cyber Insurance

Keeping a business running is demanding enough without losing access to your systems or discovering a fraudulent payment. Ransomware, impersonation emails and data breaches can create recovery costs and disrupt customers, even without physical damage.

Ordinary business insurance may exclude these losses. AI is making threats more difficult to handle, with AI-driven attacks reported to have increased by 72% this year, according to TotalAssure. Cyber policies differ on incident response, data recovery and social engineering fraud. Please be advised that backups and multi-factor authentication can affect insurer acceptance; insurance does not replace security controls.

Melia Cover helps you understand the options without technical overload. We guide you through insurer questions, explain key conditions and compare suitable protection for the way your business operates.

Cover to consider

• Data breach response
• Ransomware and extortion
• Business interruption
• Cyber liability
• Social engineering fraud