Crime & Cyber Insurance

Burglary and traditional break-in thefts are now less frequent than “Cyber Crime”. The definition of Cyber Crime can vary, but it can involve deception, the obtaining of data from computers or smart-phones and the taking of money by electronic means.

Cyber Security

A traditional Insurance programme will insure against “Theft”, but it is outdated. In order to make a claim, you will typically require to have suffered a physical break-in, or “Forcible or Violent Entry or Exit” from your premises.

As the years pass, the number of thefts from businesses which fit these parameters has reduced dramatically, and it appears the drop is likely to continue.

At the same time, the increasing risk of deception theft, data theft, insider theft and other emerging crimes is a significant challenge for businesses throughout the country. As mentioned, these events are now far more likely to impact your business severely than a burglary break-in.

As you can tell from the news, stories of hackers, data leaks, and exploitative fraud tactics crop up all the time. While it might get less press in comparison to high-profile robberies, small businesses are also at risk and are less likely to be protected by insurance.

Although generally not covered by traditional packages or commercial combined insurance policies, there are solutions and premiums for small businesses which can start from as little as £50 per month.

Contact us today for more information about our service or to receive a quote for prices you can expect to pay to cover your business.

The above product information is a guide only. Please ensure that you take time to review your specific policy coverage paying particular attention to any warranties, conditions and exclusions that may apply.

Looking to speak to an insurance expert? Call 01698 456 500 today.

The policy Morelands recommended gave us more cover with a lower excess and reduced cost. Enabling me to save money and focus on my business, happy to know I’m receiving the best possible service and policy.

Jerry

Fitness Business Owner from Airdrie

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HAMILTON

117 Cadzow Street
Hamilton
South Lanarkshire
ML3 6JA
Tel: 01698 456 500

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19 High St
Tain
IV19 1AB
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Greenock
Renfrewshire
PA15 1YF
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Larbert
FK5 3AR
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