Cyber Insurance
Cyber insurance that rewards you for being secure.
Eligible Cyber Essentials-certified organisations get £25,000 of cyber insurance included. Uplift to higher limits for a fixed annual cost, or compare discounted bespoke policies from a panel of specialist insurers.
Backed by AIG, Beazley, CFC, Coalition and Cowbell. Arranged through our FCA-regulated broker, Sutcliffe & Co. Fewer questions. Faster cover. Better value.
Turn cyber risks into cyber confidence
Why?
Cyber threats keep evolving, but traditional cyber insurance has struggled to keep up - often rigid, expensive, and one-size-fits-all.
CyberSmart’s insurance journey changes that. Built around Cyber Essentials and delivered with our trusted broker and access to a panel of leading insurers, it gives you more choice, greater flexibility, and faster access to tailored cover.
You choose the level of protection that actually matches your size, risk profile, and budget. It’s not just insurance - it’s confidence built into your cybersecurity journey.
What's included?
Every eligible* CyberSmart customer can access £25,000 of free cyber insurance on completion of their Cyber Essentials certification.
When you need more than this included cover, our insurance journey gives you flexible upgrade options, access to specialist cyber insurers, bespoke discounted premiums for Cyber Essentials-certified customers, and a streamlined application process with a reduced question set - making it faster and easier to secure tailored cover that fits your real-world risks.
Flexible cover that fits your business
Choose the level of protection that matches your size, sector and risk appetite. You're not tied to a one-size-fits-all bundle.
Start with your included £25,000 cover. Uplift to higher limits, such as £100,000 or £250,000, for a fixed annual cost, or go fully bespoke with a policy built around your business.
Better value through stronger security
Insurers recognise the effectiveness of Cyber Essentials and the security controls behind it. So they reward you for taking cyber seriously.
That means exclusive discounted premiums for certified organisations. The work you've already put into your security now lowers the cost of protecting your business.
Faster, simpler applications
Forget long, confusing proposal forms. A streamlined question set makes it quicker and easier to secure the right cover.
Your Cyber Essentials certification already answers many of the questions insurers usually ask. Less paperwork. Less time. Cover in place sooner.
Trusted global insurers
Your cover is backed by respected cyber insurers and specialist providers for bespoke policies.
Included and uplift cover is provided by AIG. Bespoke policies come from specialist cyber insurers including Beazley, CFC, Coalition and Cowbell. Established names you can rely on when it matters most.
Clearer options, no confusion
A transparent quote process, with clear cover options and pricing shown upfront.
Compare policies side by side and understand exactly what you're getting before you commit. No jargon, no hidden surprises. Just the information you need to decide quickly and confidently.
Expert guidance when you need it
Speak directly with specialist cyber insurance brokers who can match you with the right cover.
Our FCA-regulated broker, Sutcliffe & Co, talks you through your options, answers your questions and helps you find a policy that fits. Expert support whenever the decision gets complex.
Access to a panel of leading cyber insurers
Choose policies from trusted cyber insurance providers including Beazley, CFC, Coalition and Cowbell.
Compare discounted options online in minutes, or speak to an advisor if you'd rather talk it through. More choice means cover that fits your business, not the other way round.
do you need help?
Frequently asked questions
Cyber insurance is the final layer of protection needed for complete cyber confidence. If you do get breached, cyber insurance can be the difference between business failure and getting up and running again quickly.
Yes. Small businesses often lack the resources to weather a serious breach alone, making cyber insurance doubly important. However, we recognise that with ever-rising premiums, cyber insurance can be unaffordable for some small businesses, which is why we are pleased to be able to offer exclusive discounted premiums through our trusted broker and panel of expert insurers.
To qualify for the inclusive £25,000 cover, an organisation must:
- Have an annual turnover of under £20 million
- Successfully certify to Cyber Essentials
- Have the entire organisation in scope of the certification
- Be domiciled in the UK or Crown Dependencies
Yes. You can increase your cover through our insurance journey, which offers flexible uplift and bespoke options. In addition, a simple uplift route is available via Sutcliffe & Co, which allows eligible customers to increase their £25,000 cover to higher fixed limits such as £100,000 or £250,000.
Once you’ve completed Cyber Essentials, CyberSmart can direct you to a secure online journey where you can:
- Provide a small amount of information about your organisation
- See tailored cover options from a panel of insurers
- View discounted premiums available to CyberSmart customers
- Buy online or speak to an advisor for more complex needs
- The application process has been simplified with reduced question sets to speed things up.
The inclusive £25,000 cover and certain uplift options are linked to Cyber Essentials certification and eligibility criteria. However, bespoke cyber insurance can also be arranged through Sutcliffe & Co for organisations that are not yet certified - though discounts and certain benefits may be greater for certified businesses.
CyberSmart is an Introducer Appointed Representative of Sutcliffe Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. CyberSmart does not provide insurance advice or recommend specific policies. All regulated insurance advice is provided by Sutcliffe & Co, who will help you select suitable cover where needed.
Sutcliffe Insurance Brokers Ltd trading as Sutcliffe & Co is authorised and regulated by the Financial Conduct Authority, Number 306068. Individual cover purchased online is offered on a standardised and non-advised basis. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact Sutcliffe & Co directly at enquiries@sutcliffeinsurance.co.uk