Cyber extortion and ransomware coverage.
Covers costs related to a cyber extortion threat, including specialist intervention to analyze the situation and negotiate. Certain expenses, including payments, may be covered subject to insurer approval.
Business insurance
Cyber risks insurance
Data, systems and communications are now an integral part of business operations. Even a minor breach can have significant consequences. We help you better manage digital risks to protect what supports your daily operations.
Our expertise
Coping with digital threats
Cyberattacks, data breaches and system outages can have significant consequences on a company’s operations. Courtika supports organizations in implementing cyber risk insurance solutions tailored to their technological environment and level of exposure.
As your broker, we analyze your practices and risks to offer clear, structured and consistent coverage.
Essential coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Protects your business against claims arising from the loss or disclosure of confidential information. This coverage includes defense costs, settlements and certain penalties, when legally insurable, following an incident involving sensitive data.
Covers the rapid response of specialized experts, including IT forensics, legal support and crisis management. This coverage helps you understand the incident, limit its impacts and structure an effective response from the first hours.
Covers the legal obligations related to an incident, including notification to affected individuals and authorities. It also covers certain support costs and services to affected individuals, helping to maintain your compliance and reputation.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Protects against financial losses caused by fraud such as fake suppliers or deceptive emails. Coverage applies under certain conditions, particularly when there is external deception leading to an unauthorized transfer of funds.
Compensates for lost revenue and extra expenses when your operations are disrupted following a cyberattack. This coverage is essential to absorb the financial impact during the time needed to restore your systems.
Covers the costs to restore, recreate or replace data and systems damaged after a cyberattack. It includes specialist intervention to restore your operations as quickly as possible.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Yes. All businesses using email, computer systems or data are exposed, regardless of their size. SMBs are often targeted due to limited cybersecurity resources.
Depending on the coverage purchased, cyber insurance can cover losses from social engineering fraud, such as phishing or fake vendor schemes. However, this coverage must be specifically included in the policy.
Cyber insurance can cover incident management costs, notification expenses, regulatory obligations and third-party claims, while providing specialized support to limit impacts and restore operations.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.