SME Data & Cyber Security

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SME Data & Cyber Security Insurance

Our SME Data & Cyber Security Insurance protects you against liabilities arising from data protection laws, management of personal data and the consequences of losing information. Equally the loss of corporate information such as intellectual property and proprietary information could severely disadvantage a business.


With network attacks and security becoming a significant global issue, we cover you for direct first party losses and third party claims.

Crisis Management

  • Data Forensic Expenses - costs incurred to investigate, examine and analyse a computer network
  • Breach Consultation Costs - legal assistance
  • Costs to Restore - research, replace, restore or recollect software and any electronic data due to a network attack
  • Breach Response Costs - Notification Services, Call Centre Services, Credit Monitoring Services and Identity Theft Resolution services
  • Public Relations Expenses - costs to help protect your business’ reputation after a data breach

Business Interruption

  • Business Interruption - includes net profit or loss and extra expenses as a result of a network attack on an insured’s network

First Party Coverage

  • Hacker Theft Cover - fraudulent or erroneously paid funds
  • Network Extortion Coverage - costs to avoid, defend or preclude extortion
  • Loss Adjustor Costs – fees of a qualified external expert to determine the extent and loss amount


Third Party Coverage

  • Third Party Liability- related to privacy, personal information; corporate information; Media and Social Media (including defamation, intellectual property rights and plagiarism)
  • Regulator Liability– claim for loss against the company made by a regulator
  • Investigation Liability– costs for formal investigation in response to Regulator
  • PCI DSS Cover–claim for loss against the company made by a payment card provider due to breach of PCI DSS
  • Consumer Redress Fund Cover– to establish a fund for the payment of consumer claims


  • Emergency Costs– include Defence Costs & Loss Mitigation Costs
  • Loss Mitigation Costs– Engagement of loss mitigation advisor to help avoid or minimize any potential claim or business interruption loss
  • Personal Reputation cover – cost for public relation firm to mitigate or reduce damage to the reputation of any executive officer caused by a breach

Important Note

Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites ( or or

The product information detailed in this section does not outline all aspects of cover nor does this serve as an insurance contract. Please refer to a copy of our policy wording, which is available on request, for details of the coverage conditions and limits; or contact our Sompo authorized agent or your insurance broker for more details.

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