Cyber Insurance

Cyber insurance is a key requirement for any business that stores client data, uses online systems, computers, servers, software or devices. Standard commercial policies typically do not provide cyber liability cover, which means if your business is targeted with a cyber-attack you will not have insurance to cover the financial and reputational losses.

Here at OBF Insurance Group we understand the types of cyber threats that businesses are facing and offer cyber insurance policies which are tailored to the individual business requirements.

Our bespoke cyber insurance policies can include cover for:

  • Extortion Covers the costs from cybercriminals holding files for ransom.
  • Legal fees Covers the lawyers' costs for claims arising from data breaches.
  • Theft coverage Covers the theft of money, hardware or software arising out of a cyber attack.
  • Fraud coverage Covers the theft of property and money due to computer fraud.
  • Privacy liability Covers the cost of third-party claims caused by a data breach.
  • Crisis management Covers the cost of PR and business reputation recovery.
  • Forensic investigation Costs are covered for specialist investigations into the cyber-attack.
  • Data loss and restoration Covers the costs of recovering electronic data.
  • Business interruption/ downtime Covers the loss of income due to cyber-attacks. Options to include multimedia liability, network interruptions and more.

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Trusted Experts for Over 50 Years


  • Q: What is cyber crime?

    Cyber-crime is criminal activity conducted using computers and the Internet, often financially motivated.

    Cyber-crime includes identity theft, fraud, data breaches and internet scams, among other activities.

  • Q: What are the costs of a Cyber-Attack?

    The number of targeted cyber-attacks have more than doubled in Ireland in 2018. Successful attacks on businesses can have a serious impact with 62% experiencing loss of IT services because of a breach, 40% suffering financial loss and 42% reporting a loss of operational services.

    Data leaks and losses can lead to massive regulatory fines, clients suing, bad media coverage and can damage the business’ reputation affecting the stockholders’ confidence and profits.

    The new EU General Data Protection Regulation (GDPR) applies to all companies that process the data of any European individual and makes it much easier for individuals and regulatory bodies to take action against businesses that breach new data laws.

  • Q: I have a small business holding data for no more than 200-300 clients - do I need cyber insurance?

    As long as you are holding your clients’ data on file or operate using the internet or computers you are exposed and you should consider taking out a cyber insurance policy. Most modern businesses are at risk of cyber-crime.

    Cyber-crime is happening more and more to small and medium size businesses as they are considered more vulnerable by the criminals. In fact, 62 percent of cyber breach victims in 2017 were small to mid-sized businesses.

  • Q: How does a cyber insurance policy complement my current business IT security strategy?

    No matter how good and secure your IT systems are, there are unforeseen threats and fraud schemes that even the best-designed internal controls cannot prevent. Therefore, cyber insurance should be a strong consideration of every company’s IT security strategy.

The Complete Guide: Cyber security risks, claims and insurance

Download our eGuide for tips and insights from the OBF experts on how to protect your business.


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OBF are one of Ireland’s leading cyber insurance brokers and are happy to discuss your requirements today and provide a free, no-obligation quote.