Gareth Evans

Due to modern times, nearly every action at work will involve the use of a computer or access to the internet.  With more companies using digital files than ever before, it is crucial to make sure that the data is protected and can be accessed easily to allow for your business to operate.

Cyber & Data Risks Insurance offers comprehensive protection for your computer systems and data under one policy and is designed to support your business if it suffers a data breach or is the subject of a malicious hacker that attacks the computer systems.

Here at CIC, we have access to several specialist schemes which can offer the following cover:

Ransomware – Cyber Extortion
This offers protection if a hacker attempts to hold your business to ransom by covering the ransom you have paid, as well as the services of a leading risk consultancy firm to help manage the situation.

Data Breach Costs
In the event of a data breach (electronic or otherwise), this can offer on-going support including forensic investigations, legal advice, notifying customers or regulators, and credit monitoring.

Cyber Business Interruption
 This provides compensation for loss of income, including where caused by damage to your reputation if a hacker targets your systems and prevents your business from earning revenue.

Hacker Damage
This covers reimbursement for the costs of repair, restoration or replacement if a hacker causes damage to your websites, programs or electronic data.

Crisis Containment
If there is a data breach, confident communication is vital to help minimise the damage to your company’s reputation.  Your company would be offered expert support, from developing communication strategies to running a 24/7 crisis press office.

Multimedia Liability
This provides protections if you mistakenly infringe someone’s intellectual property rights (e.g. copyright), for example by using a picture online without permission, or inadvertently libel a third-party in an email or other electronic communication

Privacy Protection
If you fail to keep customers’ personal data secure, cover can be offered to defend and settle claims made against you.

Travel insurance is intended to cover medical expenses, trip cancellation, lost luggage and other losses incurred while travelling, either internationally or domestically.

It is particularly important if you want to ensure that you can afford medical care whilst abroad.  Research has shown that the average cost for overseas medical treatment is £2,040, but this figure can be much higher in certain countries such as the USA.

Most policies will include cover for:

• Lost or stolen bags
• Emergency medical expenses
• The costs of cancelling, delaying or cutting your trip short (curtailment)
• Personal liability, in case you’re sued for damaging property or causing injury whilst away

We recommend that a Travel insurance policy is arranged at the time of booking to cover the duration of that trip. Likewise, you could also set up an “annual multi-trip” policy which covers an unlimited number of trips within a 12 month period.

With so many different types of holiday available nowadays, making sure that you have the right cover for your trip abroad is extremely important.  Here at CIC, we have the facility to accommodate standard travel risks as well as more complex cases such as those with pre-existing medical conditions, over 65s and those partaking in dangerous activities (e.g. skiing, mountain climbing, scuba diving)

Our single-trip or annual multi-trip policies provide a wide range of cover including:

• £10 Million Emergency Medical & Treatment Expenses
• £5,000 Cancellation, Curtailment & Trip Cancellation
• £1,000 Missed Departure
• £5,000 Holiday Abandonment
• £2,500 Personal Effects & Baggage (Single Article Limit of £400 for Valuables)
• £500 Personal Money & Travel Documents
• Accidental Death & Disability Benefit
• £2 Million Personal Liability
• £25,000 Legal Expenses

Please feel free to give us a call for a quote or, if you would like to obtain a ‘quick quote’ please visit www.travelgo.co