Commercial Cyber
Commercial cyber insurance helps businesses respond to digital threats with practical cover and specialist support — from cyber incidents and fraud to extortion and liability — so you can keep operating with confidence.
Limit / Premium options:
Our Policy Includes
Optimum Cyber Plus covers you following a Cyber Event (defined as unauthorised access, an operator error, a denial-of-service attack, or the introduction of any malware, including ransomware) into or against your network or any cloud provider with whom you have a written contract.
01
Re-instatement of your data
02
Loss of your gross profit caused by the Cyber Event
03
A specialist IT forensic company to investigate the cause and scope of the Cyber Event
04
£10,000 for e-theft
How It Works
Following your loss of third-party data or a breach of any privacy legislation worldwide (a Data Liability Event):
Defence Costs, we will appoint a specialist law firm to defend you
A specialist IT forensic company to investigate what data has been compromised
Costs to notify data subjects if this is required by legislation or considered necessary to protect your reputation
A Public Relations Company to protect and mitigate any damage to your reputation
In addition, where this data relates to credit or debit card information
- Credit monitoring costs for affected individuals.
- Any fines and penalties that you are required to pay by the Payment Card Industry as well as Assessment Costs that includes fraudulent transactions for which you are liable.
Apply for Cover
Complete the application form below, then choose your limit and premium.
Select the level of cyber cover do you need?
Please note the premiums displaying below are insurers minimum premiums for each policy limit. Insurers actual premium for each limit will be shown after completing the Apply for Cover questions above and will be what you need to pay pay for your insurance cover.
Need help?
Let us point you in the right direction:
285K
SME average claim, up 18% annually.
+58%
Claims frequency rise (2021-2024 period)
21 Days
Average downtime post-ransomware attack
27%
of all Cyber claims in 2024
Sources: ABI, Lloyd's Market Association, NCSC Annual Review, Howden Cyber Report 2024. Figures are indicative industry estimates; individual insurer data may vary.
What is cyber insurance?
Home Cyber insurance helps protect you and your family from the financial fallout of cyber threats that target your family, home devices, personal data, and online activities.
From identity theft and online fraud to cyberbullying and ransomware attacks, a home cyber insurance policy offers coverage and expert support to help you recover quickly and safely.
Why You Might Need It
Today's households are more connected than ever—with phones, laptops, smart home devices, and children online. As technology grows, so do the risks. Cyber insurance gives you peace of mind that if something goes wrong online, you won't be on your own to fix it – you'll have OSR's cyber experts by your side.
Frequently asked questions
How do I get help with my policy?
If you need help, you can contact the team at OSR by email support@osrcyber.com or by using the contact us page.
What should I do if I become a victim of a cyberattack?
Contact the helpline immediately on 0808 169 7074 or by email osr@dynarisk.com. OSR's incident response team can assist with expert cyber support.
Does the policy cover for cryptocurrency?
This policy does not include cover for any claim or losses of cryptocurrency or electronic/digital tokens, vouchers or points.
Is there an excess on this policy?
You are responsible for the excess amount as shown on your policy documents.
When does the policy start?
Your period of insurance is given in the policy document and is 12 months duration.
How do I cancel my policy?
You can cancel this policy within 14 days of purchase or renewal (or on the day you receive the policy documents, if that is later). To cancel, you will need to contact TRM at trmadmin@trafalgar.uk.com. We will refund any money paid, as long as no claims have been made on the policy during that time.
If you would like to cancel after 14 days of purchase or renewal (or on the day you receive the policy documents, if that is later), you can do so by contacting TRM at trmadmin@trafalgar.uk.com. You will be entitled to a pro rata return premium providing no claims have been made. If a claim has been made you will not be due any return premium.
Do you follow GDPR guidelines?
Our main purpose is to obtain an insurance quote, arrange an insurance policy for you and service that insurance policy as required. Some of that work may be undertaken by us as cover holder of the insurer (where we would still act as a Data controller). Our main legal reason will be one of the following: We are arranging a contract to which you (or the legal entity you work for) will be a party. We are providing you (or the legal entity you work for) a service as an insurance broker or at some point in the future a credit broker and that may be under a contract (written or otherwise) we have with you (or the legal entity you work for). We may be following our legitimate business interests of acting as an insurance broker or at some point in the future a credit broker.
How do I know that I won't be spammed?
The information given to us including your email address is treated with the strictest confidence and within the rules of GDPR. We and the insurers are the only people who will see your details. Every now and then we send out newsletters on subjects we feel may be pertinent to you, and the running of your company, for example - new available insurances, but these will only ever come from us and never from an outside third party.
I have recently applied for cover, but have not received my login details?
If you have completed an online application and been accepted, your ‘My Trafalgar Portal’ login details will be sent to the email address included within the application. Therefore, please ensure the email address you use is one that can be accessed easily and one that you regularly check. Occasionally our confirmation and invoice email may be sent to the spam section of your emails. In these instances, it is advisable to 'safelist' the trafalgarinsurance.co.uk emails to ensure this doesn't happen again. You can also click the link ‘Forgot my Password’ and receive a password reset to access your account.
Is your website secure?
Our website uses high grade encryption (RC4 128bit). Encryption makes it very difficult for unauthorised people to view information travelling between computers. It is therefore very unlikely that anyone could read information as it travels.
What is Insurance Premium Tax (IPT)?
Insurance policies do not attract VAT (apart from one or two exceptions). In its place is Insurance Premium Tax, which is calculated as a percentage of gross premium applicable to each policy. This IPT is taken by us and paid over to insurers, who then pass it on the Inland Revenue.
Can I look at what you cover before I buy a policy?
Our website includes a summary of cover for each policy we sell, along with the corresponding policy wording. This provides you with all the terms and conditions applicable.
How long is it before I receive my documentation?
The summary of cover and policy wording are available on our website at any time to view and print out. Your schedule of insurance is ready immediately once cover has been confirmed online, and can be retrieved once payment has been made. If you pay by credit card or premium funding*, we email your login details to you straight away and the schedules can be viewed and printed. If you choose to pay by BACS, then we will send you the relevant login details once the funds have been received by us. * subject to your premium funding agreement being accepted by the Orchard Funding If you have selected the insurance cover type ‘Employers Liability’, you will need to enter your ‘ELTO’ details in order to retrieve your policy documents. You will receive an email from ourselves with details on how to enter your ELTO details.
How do I change my Company Name?
If you are currently a Limited Company, and have changed your company name, you will need to email us a copy of your ‘Companies House Certificate’ showing the name change. We will then be able to update the company name shown on the policy documents after receiving this.
Can quotations be given over the phone?
We are unable to provide clients with quotations over the telephone. To obtain a quote, you will need to use our websites quotation engine.
How long does it take to get a quote?
Obtaining a quotation takes less than 30 seconds! Simply input your estimated annual turnover, trading status, number of employees and the limit of indemnity you require and a quote will be given.
What will the quotation include?
Our quotations are made up of the gross premium required by Insurers, along with the IPT payable and our Policy Fee. The IPT & Policy Fee are specified at the bottom of each quotation.
Why do you charge a Policy Fee?
For us to successfully operate a streamlined online system as we do, our premiums need to be highly competitive. Unfortunately, this means we have to add a Policy Fee to the commission paid to us by Insurers on each case to meet administration and marketing costs. However, we continually check our premiums against market competitors to ensure the overall cost to you, including our Policy Fee, isn't excessive and remains competitive. If we find this isn't the case, our premiums and fees are reviewed accordingly.
How can I pay for my insurance?
Payment for your insurances can be made by credit card or BACS (bank) transfer. If you choose to pay by credit card your documents will be available immediately for printing. If you choose to pay by BACS, your documents will be released on receipt of cleared funds.
I am reluctant to provide my credit card details over the Internet. Can I pay any other way?
Yes. We accept payment by BACS if you are uneasy providing your credit card details over the Internet. The drawback to using these methods is that you will not be able to print your certificates immediately. We will release your certificates once your cheque has been received by us, or your money has been received into our bank account.
How do I renew my policy?
Renewing your policy is easy. We will send you an email 30 days prior to the expiry of your existing policy, asking if cover is to be renewed and providing you with a renewal link that will take you into your account. Simply check the details are correct, or make any necessary changes and hit the quote button. This will give you your renewal premium and if all is okay, proceed as normal in completing and paying for the cover.
Why do I need to provide an email address?
Our philosophy is to make the purchasing and renewal of your insurances as quick and easy as possible. Therefore, streamlining the process to a complete on-line facility is optimum. For this to work we need to know your email address most used, as this is how we will contact you during the policy period and to advise you of renewal.
How do I telephone you for support?
We are an online insurance provider and thus we would ask you to make any changes or updates to your cover through your personal account in My Trafalgar. For questions about us, our products or your policy you can normally find the answer on this page or contact us in a range of convenient ways.