Liability & Cyber Insurance
Protection from legal claims and online threats.
Liability policies protect your business from legal claims made by clients, employees or the public. Cyber insurance covers data breaches, online fraud and ransomware attacks, which are a growing risk for businesses of every size.
- Professions
- Doctors, CAs, architects, IT
- Cyber
- Breach, fraud, ransomware
- Employees
- Workmen compensation
- Costs covered
- Legal defence and damages
Choose the liability & cyber insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Professional indemnity
Claims from clients for errors or negligence in your services.
Directors & officers (D&O)
Protects company directors from personal liability.
Workmen compensation
Statutory cover for employee injury at work.
Cyber insurance
Business and individual cover for cyber attacks and online fraud.
Public & product liability
Claims for injury or damage caused to the public or by your products.
Why people choose our liability & cyber insurance advice
- Legal defence costs covered
- Compensation awarded to third parties
- Data breach response and recovery
- Individual cyber cover for online fraud
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Legal defence costs
- Damages awarded to third parties
- Employee injury claims
- Cyber attack investigation and recovery
- Doctors, CAs, architects and consultants
- Companies with a board of directors
- Businesses that hold customer data
- Employers with factory or site workers
- Intentional wrongdoing or fraud
- Known claims before the policy started
- Fines and penalties where not insurable by law
Liability & Cyber Insurance premium: what decides it?
Two people buying the same liability & cyber insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Liability & Cyber Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Professional Registration (for indemnity)
- Business Activity Details
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Professional Registration (for indemnity)
- Business Activity Details
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
Document Proof
8 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
- Professional Registration (for indemnity)
- Business Activity Details
Income Proof
5 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
- Audited Balance Sheet (2 yrs)
- Complete Balance Sheet with Audit Report (3 yrs)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Professionals should keep indemnity cover active continuously.
- 2Cyber insurance works best alongside basic security such as backups and MFA.
- 3Check retroactive dates on liability policies when switching insurers.
Liability & Cyber Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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