Cyber Insurance
Incident response and balance-sheet protection for breach, ransomware, privacy, crime and digital interruption.
Cover shaped around the way your business actually operates.
UpSure brokers cyber cover as part of a coordinated commercial insurance program. We review the risk, negotiate wording and benchmark the placement against the markets that understand your sector.
Situations where this cover may be tested.
These examples are illustrative only. Actual cover depends on the policy wording, limits, exclusions and the facts of the claim.
Ransomware locks critical systems
The business needs incident response, forensic support, legal advice, customer communications and interruption support.
Customer data is exposed
A privacy incident triggers notification obligations, regulator questions, credit monitoring or third-party liability allegations.
Funds transfer fraud
An attacker compromises email or payment instructions and causes a fraudulent transfer before the business detects it.
Market access, wording review and claims-led advice.
Contract-aware advice
We review obligations, indemnities and evidence-of-cover requirements before recommending structure.
Claims-led wording
We focus on exclusions, triggers, excesses and definitions that determine whether cover works at claim time.
Market negotiation
We approach underwriters with a clear risk story so the placement is not treated like a generic package quote.
Cyber insurance should improve resilience, not just tick a box.
UpSure cyber clients can access a CyberCert Gold SMB1001 Level 3 credit, valued at $395. The goal is simple: help founders strengthen cyber hygiene while arranging cover that can respond when an incident becomes real.
The first 72 hours can decide the cost of the incident.
Good cyber insurance is not only reimbursement. It can connect the business to breach counsel, forensic specialists, ransomware negotiators, notification support and crisis communications when internal teams are under pressure.
Cyber risk is broader than a hacked laptop.
What a cyber claim can look like in practice.
These examples are illustrative only. The response depends on the policy wording, sublimits, exclusions, security controls and facts of the incident.
SaaS platform outage after credential compromise
A compromised admin account forces the team offline while forensic specialists confirm access, contain the incident and restore customer confidence.
Investor and customer notification after data exposure
Sensitive customer records are exposed and the business needs legal triage, notification support, regulator response and communications advice.
Invoice redirection fraud
A supplier payment is redirected after an attacker compromises an email thread and changes banking instructions.
Simple controls that make a real difference.
Cyber insurance works best when it sits beside sensible operational controls. These steps can reduce incident likelihood, improve insurability and make a claim easier to manage.
Specialist cyber support for brokers and advisers.
If you have a client that needs deeper cyber placement support, UpSure can act as the cyber specialist while you retain the broader client relationship. We focus on cyber advice, placement, renewal and claim support, and only contact the client about cyber.
Cyber-only relationship
The client becomes an UpSure client for cyber insurance, cyber renewal support and cyber claims advocacy only.
You retain the rest
You keep working with the client on the other insurance lines you manage. We do not approach them about non-cyber products unless you ask us to.
Shared economics
Under an agreed wholesale or referral arrangement, UpSure remits 50% of the cyber commission received, subject to applicable disclosure and licensing requirements.
A practical way to keep the relationship intact.
This model is designed for accountants, advisers, brokers and partner networks that want cyber capability without handing over the rest of the client program. Commercial terms are confirmed upfront before we engage.
Want to know if your cyber program is strong enough?
We can review your current policy, cyber questionnaire, customer requirements and security controls before renewal or a major contract.
Want to review your cyber cover?
We can benchmark your current wording, limits and market options against the risk profile of your business.
Other insurance types
Commercial Property & Key Assets
Protection for premises, equipment, stock, business interruption and the assets your operation depends on.
Public & Products Liability
Cover for injury, property damage and product-related claims arising from your business activities.
Management Liability
Protection for directors, officers and the company against governance, employment and statutory liability exposures.