Your email is business-critical
A compromised mailbox can lead to fraud, impersonation or the takeover of other accounts.
Cyber risk is not a question of company size.
If your business relies on email, specialist software, cloud providers or client data, a single incident can disrupt your operations. HILEO helps you select appropriate cover — or reviews the policy you already have.
Your actual exposure
Your exposure starts with how you use technology, not with your size.
Cyberattacks are becoming increasingly industrialised and frequent. A small or mid-sized business can be targeted directly, used as a route into a client or disrupted by the failure of a critical provider.
Your business depends on digital tools
Specialist software, cloud services, payment, billing or production systems: their failure can stop part or all of the business.
You hold data
Contact details, contracts, financial information or employee data create obligations and costs when compromised.
What needs to be examined
Useful cover is cover that responds to your real-life scenario.
Policy headings may look similar. Definitions, limits, deductibles, conditions and exclusions can produce very different outcomes.
Business continuity
Business interruption, increased costs of working, system restoration and the indemnity period.
Incident response
IT specialists, legal advice, crisis communications, notification and support.
Liability to third parties
Claims from clients, partners or affected individuals when the incident originates in your environment.
Fraud and extortion
Fraudulent transfers, social engineering, theft of funds and cyber extortion, subject to the cover purchased.
The gaps we look for
A single clause can substantially reduce the protection.
A condition linked to revenue generated abroad can make cover ineffective for a material part of the business.
An incident affecting a host, cloud provider or business-critical software is not always treated like an internal incident.
The policy may cover the company without responding to financial losses or reputational damage alleged by its clients.
An account takeover and a diverted payment do not necessarily fall under the same cover.
Real case · €100,000 claimed
Covered for its own losses. Not for its clients’ losses.
An employee’s account is compromised. The attacker takes control of the master advertising account, which hosts several hundred advertisers, and launches fraudulent campaigns.
The accounts are blocked, campaigns stop and one advertiser claims €100,000 for lost revenue and reputational damage.
The company had carried cyber insurance since it was founded. Only when the claim arrives does it discover that the policy does not respond to claims made by its own clients.
Two starting points
A policy to review or protection to put in place.
I do not yet have cyber insurance
HILEO identifies your key scenarios, approaches the relevant insurers and explains the differences in cover before placement.
Request a cyber quote →I already have cyber insurance
HILEO tests the policy, endorsements and exclusions against your actual business, clients and dependencies.
Request a cyber policy review →Frequently asked questions
Before discussing your cyber risk.
Doesn’t my IT provider already cover this risk?+
Its services and liability do not replace your own insurance. A cyber policy may fund crisis response, losses suffered by your business and certain third-party claims, subject to the policy terms.
Are CEO fraud and fake supplier fraud covered?+
Not automatically. Fraud, social engineering and theft of funds may fall under separate covers, each with its own conditions and sub-limits.
Does a small or mid-sized business really need cyber insurance?+
Size alone does not measure exposure. The data you hold, your reliance on digital tools, your commitments to clients and your ability to absorb an interruption matter far more.
Where should you start?