Why should I have Cyber Insurance?

In today's digital landscape, businesses in the UK face a growing threat of cyber attacks and data breaches that can lead to devastating financial losses and reputational damage, and that is why having cyber insurance is no longer an option but a necessity.

Cyber insurance provides essential protection, offering financial safeguards against the costs associated with data breaches, including legal expenses, customer notification, and credit monitoring services. It also covers business interruption, ensuring that you can recover lost income and additional expenses incurred during a cyber attack.

With the ever-increasing risks and regulatory requirements, cyber insurance not only provides financial support but also offers peace of mind, allowing you to focus on running your business while mitigating the potentially crippling impact of cyber incidents.

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    What are the main important features of Cyber insurance cover?

    A cyber insurance policy can provide several benefits to businesses in addressing the top 10 needs identified for cyber insurance coverage in the UK:

    • Data breach coverage: A cyber insurance policy can help cover the costs associated with a data breach, including forensic investigations, customer notification, credit monitoring services, and potential legal liabilities.
    • Cyber liability coverage: In the event of third-party claims arising from a cyber incident, cyber insurance can provide coverage for legal expenses, settlements, and damages, reducing the financial burden on the business.
    • Business interruption coverage: Cyber insurance can help compensate for lost income and additional expenses incurred during a business interruption caused by a cyber attack or system failure, allowing the business to recover and resume operations more quickly.
    • Cyber extortion coverage: A cyber insurance policy can provide coverage for costs related to responding to ransomware attacks or cyber extortion attempts, including ransom payments, negotiation services, and professional guidance.
    • Network security liability coverage: If a business faces a lawsuit or claims related to a network security failure, cyber insurance can help cover legal defence costs, settlements, and damages awarded to third parties.
    • Privacy liability coverage: Cyber insurance can assist businesses in managing the financial consequences of privacy violations, such as non-compliance with GDPR or other privacy regulations, by covering legal expenses, fines, and penalties.
    • Crisis management and incident response: A cyber insurance policy often includes access to experts who can help the business navigate through a cyber incident effectively. This can include incident response teams, public relations support, legal counsel, and guidance on managing the aftermath of a breach.
    • Reputational harm coverage: Cyber insurance can help cover the costs associated with reputation management efforts, including public relations campaigns, advertising, and communication strategies aimed at restoring trust and mitigating reputational damage after a cyber incident.
    • Social engineering coverage: If a business falls victim to social engineering attacks like phishing or impersonation, cyber insurance can provide coverage for financial losses resulting from such fraudulent schemes.
    • Regulatory and legal compliance coverage: A cyber insurance policy can assist in covering the expenses related to regulatory investigations, fines, and penalties resulting from non-compliance with data protection laws or other regulations following a cyber incident. This can include legal defence costs and financial settlements.
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    R D
    May 25, 2023

    In process of moving quite a bit of commercial and private policies over to Cascade. Very impressed thus far. Highly recommended!

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    Tanya Kucharski
    March 3, 2023

    I have used Cascade for my insurance now for several years. Great people, competitively priced and efficient service. They always go the extra mile. Highly recommended.

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    Susie Brooks
    July 31, 2023

    Johns attention to detail and customer service is above and beyond any other brokers I have experienced. Thank you for such an excellent service. Prices are really good too!

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    Debra Ridout
    October 30, 2019

    Julie has been amazing with sorting out insurance.. She is extremely friendly and Making life a lot less stressful.

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    Danny Kitchener
    March 4, 2021

    Really helpful, prompt, professional. Thank you

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    Rew Richardson
    October 3, 2022

    Everyone at Cascade Insurance are amazing. It really isn't easy to get fleet insurance for a charity especially with a few claims on the vehicles! The team worked really hard to get us the best possible deal, gave great advice and managed to save us some money, always handy! We have used there service for a few years now and will continue to do so. I highly recommend their services.

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    Mat Butler
    May 16, 2023

    I recently contacted Cascade Insurance for some additional business insurance. Their response was not only swift, but the quotation I received was very competitive. Needless to say, they secured my business and I will be using them again in the future as my other insurances come due for renewal. Thank you Cascade.

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    Matt Porterfield
    May 2, 2023

    Have used Cascade for a few years now, very pleased with the service and how they have proactively searched for value as well as negotiated with our existing insurer.

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    John Kirk
    February 10, 2023

    Cascade Insurance are diamonds. They're always available whenever I have last minute needs and they have fantastic customer service. They answer the phone QUICKLY. On the one occasion they just weren't able to help me I had a call from a contact at an adjacent firm within a couple of hours. Fantastic service

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    Jenny Hsieh
    January 16, 2023

    It’s a very good company with good service 👍!

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    Tom Langham
    April 13, 2023

    John is very knowledgeable and professional when it comes to arranging business insurance. Great to know I now have the right cover in place. I can definitely recommend Cascade for you all your insurance needs.

    Cascade deal with all my company and personal insurance, they are efficient and really pay attention to detail and competitively priced. would have no hesitation in recommending them to anyone.

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    Wendy Duffy
    November 9, 2022

    What a lovely team of people they have here. Nothing is to much effort. We have been dealing with Julie and Vicki mostly, and each year I enjoy our chats before all the hard work is done to secure us a reasonable renewal! They have been particularity efficient and supportive whilst we processed a claim, and I would have no hesitation recommending them. Great work guys!

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    John Speed
    November 5, 2020

    I have worked with Julie and Cascade Insurance for over a year now and having worked with other brokers in the past I can say cascade has been the best. Julie quick grasped my business and asked me questions other brokers hadn’t. This meant that we found several areas for improvement. The main reason I have found for working with a broker is to have someone who can answer questions about policies (and find good coverage) but over the last year as odd questions have come up cascade have been able to give almost instant replies even when there have been unusual circumstances. I would certainly recommend cascade insurance to other people.

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    David Eaton
    September 27, 2023

    Always a very positive experience, i get a reminder when my insurance is due and it is hassle free to renew . I would recommend for your professional insurance needs

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    D Sydney
    September 27, 2023

    Julie has always been unbelievably helpful with all of our needs.

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    Theo Johnson
    March 4, 2023

    Efficient, reliable, very capable. Great team to work with and one I've been very happy with so far.

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    muzzy Demir
    January 13, 2023

    Everyone cascade insurance are amazing, Thanks for their help for small business,

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    Ionel timisica
    April 12, 2023

    Great people , I have used Cascade for more than 5 years now , they always trying to give me the best deal !

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    Nathan Boston
    February 6, 2023

    Outstanding service, these guys really look after you!

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    Elphick Property
    April 14, 2023

    Great staff at Cascade. Very personal. They have gone above and beyond to assist us with a recent claim. Highly recommend.

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    LUCIAN ARSENI
    July 12, 2023

    We are working with Cascade Insurance Services from 2018 and i can't praise this company enough. Julie and Vicki are always proffesional and deliver outstanding insurance service. If you need a good insurance company please get in touch with Cascade and they will look after you and your business. 5 stars is not enough

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    Mark Leech
    April 8, 2023

    My experience with cascade has been excellent and the insurance and staff were wonderful,just what l needed thanks

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    Iain Hamnett
    April 11, 2023

    Great team, competitively priced and would have no hesitation in recommending them.

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    Rob Parker
    September 21, 2023

    Cascade have been fantastic, John has helped me find suitable cover for my business and also cyber insurance. he has a wealth of knowledge. and I look forward to dealing with him and Cascade for years to come.

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    Chris Hudson
    September 10, 2019

    Cascade are by far the best insurance company I've dealt with for my business liability insurance. An extremely efficient and friendly service, ensuring that all my business requirements are correctly covered in every detail. All this, together with the best price, makes for a most stress free experience in obtaining the right insurance cover for my business. Having used them for a number of years now, I would highly recommend Cascade to anyone!

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    Santiago Pilgrim
    May 19, 2023

    Outstanding customer service. They helped me find the correct insurance for my business requirements, and also provided assistance with a tricky claim, the outcome of which was successful. It makes life easy when it comes to renewals aswell, as they explain everything clearly and do all the hard work for you. If you want to ensure you have the right cover, use Cascade Insurance Services.

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    MIchelle F
    December 1, 2023

    At Opportunity Learning Academy we have been using the services of Cascade for the past two years. Nothing is too much trouble and they have managed to keep our most recent policy at the same price it was last year. Outstanding service

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    Alison Robinson
    January 12, 2023

    Excellent knowledge of the insurance market.

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    Sheila Duke
    January 17, 2023

    Would highly recommend Cascade. They have been supplying our company with insurances for the past 5 years and are always competitvely priced. They go out of their way to get us the best deal.

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    Tony Line
    September 27, 2023

    I use Cascade for my personal and business insurances. John's knowledge and advice are exceptional - so you get the right policy at the right price. Excellent and highly recommended.

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    stuart kashdan
    July 20, 2023

    The most helpful Professional team I have ever had the pleasure of dealing with.

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    Owain Williams
    November 29, 2023

    Since setting up my business in 2020, I've used Cascade for all business insurances I have. Very efficient service for reasonable market standard rates

    Vanessa Challess - Solictor, Tiger Law
    Vanessa Challess - Solictor, Tiger Law
    September 2, 2021

    I can highly recommend Julie for PI and other Insurance and high service standards.

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    Jessica Bunce
    January 17, 2023

    Cascade are super helpful, always quick to answer our questions and help us get the cover we need

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    Gemma Farina
    May 10, 2023

    The team at Cascade are very friendly and knowledgable. They take the time to make sure that the level of cover is exactly right for my business, to give me the most protection and ultimately peace of mind. Great service!

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    Jan Grundy
    August 7, 2023

    As always, professional, reliable and helpful service.

    Paul Andrews
    Paul Andrews
    September 1, 2021

    Cascade arranged the insurance for Channel Radio and not only understood the needs of the business but went the extra mile to give us confidence that our insurance is properly arranged – Fantastic!

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    KWBKnives
    June 16, 2023

    Lovely people, very helpful and knowledgeable, would highly recommend.

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    Sam Barker
    May 17, 2022

    Thank you for sorting out our business insurance so efficiently. It was a job we'd been putting off for some time - but you made it simple and stress-free. Thank you for all your help.

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    pete bishop
    May 30, 2023

    The service we have received from John and Vicki at Cascades is amazing. I wish I could give more than 5 stars. They go above and beyond to help with every aspect of the insurance process from quotes right through to helping with a claim. By far the best around.

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    Gabi Webb
    April 21, 2021

    I had Julie sorting my public liability insurance for few years now, she is so professional and quick to remind me when the insurance is coming up for renewal. The insurance comes up to less then I paid for the first year when my income was much smaller then is now. Also it gives me peace of mind knowing that I am covered if things happen. I would strongly recommend Cascade Insurance to everybody who needs insurance.

    If you want advice about a business or cyber policy then you can contact Cascade Insurance Services on 01233 512548, we are happy to advise and discuss your own bespoke requirements.

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