General Insurance · verified 5 September 2026

Cyber Insurance

Fund expert response when a digital incident becomes a business crisis.

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What is cyber insurance?

Cyber insurance can pay defined first-party response costs and third-party liabilities after a covered event such as a data breach or network attack. It complements—not replaces—security controls. Underwriters commonly examine MFA, backups, patching, endpoint security, vendor access and incident-response readiness.

Plain-language guide

Important terminology with examples

Definitions are educational summaries. The issued policy wording and schedule control every claim.

First-party loss

Your own incident-response, restoration, interruption and extortion costs under the policy.

Example: Limits and waiting periods can differ by section.

Third-party liability

Claims from customers or others alleging privacy/security failure.

Example: Defence costs may be inside or outside the limit.

Ransomware/cyber extortion

Response and, where lawful and covered, defined extortion costs.

Example: Insurer consent, sanctions and law-enforcement requirements apply.

Business interruption

Loss after a covered outage lasting beyond the waiting period.

Example: Cloud and dependent-provider outages need specific wording.

Data restoration

Reasonable cost to restore or recreate damaged electronic data.

Example: Value of data itself and upgrades may be excluded.

Social engineering

Fraud that manipulates staff into transferring money or credentials.

Example: Often sub-limited or excluded unless specifically added.

Retroactive date

The earliest incident date eligible under a claims-made policy.

Example: Keep continuous cover to avoid a gap.

Security controls

MFA, backups, patching and endpoint protection required or considered in underwriting.

Example: Answer proposal questions accurately and maintain controls.

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Companies offering relevant covers

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Cyber Insurance

What is cyber insurance?

Important terminology with examples

First-party loss

Third-party liability

Ransomware/cyber extortion

Business interruption

Data restoration

Social engineering

Retroactive date

Security controls

Companies offering relevant covers

National Insurance

The New India Assurance

The Oriental Insurance

United India Insurance

ACKO General Insurance

Bajaj General Insurance

Cholamandalam MS General Insurance

Generali Central Insurance

Go Digit General Insurance

HDFC ERGO General Insurance

ICICI Lombard General Insurance

IFFCO Tokio General Insurance

IndusInd General Insurance

Liberty General Insurance

Raheja QBE General Insurance

Royal Sundaram General Insurance

SBI General Insurance

Shriram General Insurance

Tata AIG General Insurance

Universal Sompo General Insurance

Zuno General Insurance

Zurich Kotak General Insurance

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Coverage limits

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