Minimise the Impact of a Cyber Attack with Cyber Insurance

• Adroit Insurance and Risk
• - July 30, 2025

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Cyber criminals can disrupt business operations in an instant—shutting down systems, halting production, pretend to be a senior manager and authorise fake invoices.

When it comes to recovering these losses, cyber insurance can make or break a company.

Why Cyber-Related business interruption Claims Challenging

Business interruption claims after a cyber attack often involve unique, hard-to-measure losses. Unlike physical damage, the impacts can span internal systems, supply chains, and customer relationships—and may evolve over time. Immediate action and thorough documentation are critical to support your claim.

Responding to an attack

Cyber insurance is a key part of your management of cyber incidents and attacks. Insurers have a panel of experts ready to step in and quickly assist you to manage the attack. This saves you time and effort, when you’re trying to maintain your business at a critical time.

There is a wide range of cyber insurance packages available, all cover liability to third parties for passing on viruses. Other policies cover damage to your own networks.

Standard cover

1. Incident response – specialists to identify the issue and repair;
2. Consumer notification costs and ongoing monitoring costs;
3. Cyber extortion management and fees;
4. Crisis and PR management of the incident; and
5. Legal defences costs;

Optional extensions

1. Damage to your systems;
2. Lost income and additional business costs related to the incident;
3. Data recovery and restoration;

What to Do First

Notify Your Insurer or Risk Adviser quickly
Report the incident to your insurer or insurance adviser as soon as possible. Outline how you think the systems and operations have been affected, including any downstream impacts from third-party vendors. The insurer will put you into contact with an Incident Response manager, who will oversee the work of contractors involved in locating and dealing with the attack and assist to get your business up and running.

Assess the Impact on Customers
Evaluate any flow-on effects to your customers, particularly if services were interrupted. You may also need to consider potential liability or reputational damage.

Making a Claim

Track All Costs and Business losses
Create a dedicated cost centre to track incident-related expenses. Keep detailed records of lost revenue, recovery costs, and any workaround solutions put in place.

Include Increased Costs of Working (ICOW)
Sometimes, spending more in the short term can reduce overall loss. Examples include paying overtime, hiring contractors to speed up recovery, or renting equipment. These costs may be claimable under your policy.

Review Supply Chain Impacts
If key suppliers were also affected—or if the attack disrupted their ability to deliver—be sure to factor these delays or losses into your claim.

Evaluate Third-Party Liabilities
If third parties were impacted (such as customers or partners), consider how this may influence your obligations or liabilities. These exposures may also be addressed within your cover.

Be Prepared

Cyber attacks are disruptive, cyber insurance will minimise the impact. By acting quickly, documenting everything, and understanding how your policy responds, you can maximise your business interruption recovery and get back to business sooner.

Speak with your Risk Adviser for tailored advice on how to prepare your business for cyber-attacks and options to best protect your business.