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Home› Business Insurance› Cyber Insurance

Cyber attacks
are the fastest-growing risk for UK SMEs.

Most standard business policies don't cover cyber attacks. We specialise in cyber insurance with dedicated support for the fastest-growing threat to UK businesses — data breaches, ransomware, and GDPR fines included.

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35 years trading 2,379 clients ~90% retention rate A-rated insurers

Get a cyber insurance quote

Tell us about your business — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).

Cyber specialists · Mon–Fri 9:00–18:00

Our Insurers

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
Who We Work With

Every type of construction
professional, covered

Construction risk varies enormously depending on your role, project type and contract structure. We understand all of them.

🏗️

Main Contractors

Full contractors combined cover including public liability, employers liability, contract works and plant — sized for your annual turnover and project profile.

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Subcontractors & Trades

Public and employers liability for specialist trades — electricians, plumbers, groundworkers, roofers and beyond. Fast to arrange, competitively priced.

🏘️

Property Developers

Development site insurance, contractors all risks, structural warranties and plot sales indemnities — covering the full lifecycle of a development project.

🏠

Self-Build & Renovators

Private individuals undertaking self-build projects or major renovations. Contract works, site liability and structural warranty arranged from inception to completion.

📐

Architects & Designers

Professional indemnity for architects, structural engineers, surveyors and designers. Cover structured around your fee income and project complexity.

🏢

Property Owners & Freeholders

Property owners insurance during development, refurbishment or while a property is unoccupied — bridging the gap standard policies leave exposed.

Our Products

The full range of construction
cover, in one place

We place the complete suite of construction insurance — from compulsory liability covers to specialist products most brokers can't access.

Project & Contract Cover

Protecting the work itself

Contractors CombinedMost Popular

The core construction policy — combining public liability, employers liability, contract works (material damage), plant and equipment, and personal accident in a single package tailored to your turnover and activities.

Contract Works (CAR)

Contractors All Risks cover for physical damage to works under construction — covering materials, temporary works and the structure itself from commencement to handover.

Self-Build Insurance

Designed for private individuals building their own home. Covers the structure under construction, public liability, and can include structural warranty for mortgage purposes.

JCT Insurance (Clause 6.5.1)Specialist

Non-negligence insurance required under JCT contracts where works may cause damage to neighbouring properties. Covers collapse, subsidence, heave and vibration damage that falls outside standard liability policies.

Plant & Equipment

Own plant, hired-in plant, and tools cover — including damage, theft and third-party liability arising from plant operations on and off site.

Liability & Indemnity

Protecting your liability

Public LiabilityLegal Requirement*

Covers your liability to third parties for injury or property damage arising from your construction activities. Limits from £1m to £10m+ depending on contract requirements.

Employers LiabilityLegal Requirement

Compulsory if you employ anyone on site — including labour-only subcontractors. Minimum £5m cover required by law; most contractors need £10m.

Professional Indemnity

For architects, engineers, surveyors and design-and-build contractors. Covers claims arising from professional advice, design errors or specification failures.

Legal IndemnitySpecialist

One-off policies for specific legal risks in property transactions — restrictive covenant indemnity, chancel repair liability, lack of building regulations consent, and more.

Structural Warranty

10-year structural warranties for new builds and conversions — required by mortgage lenders. We work with leading structural warranty providers to arrange cover at competitive terms.

Standard Cover Elements

What a well-built construction
policy includes

Most construction businesses are underinsured or have gaps they're not aware of. We audit your cover and close them.

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Breach Investigation

Forensic analysis to determine scope of compromise, identify what data was taken, and understand the attack vector for future prevention.

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Notification Costs

Legal requirement to notify affected individuals. Includes notification services, credit monitoring, customer communications and call centre support.

⚖️

Regulatory Defence

GDPR Required

Legal costs and fines for investigations by the ICO, FCA or other regulators — GDPR fines can reach €20 million or 4% of turnover.

💰

Business Interruption

Lost revenue while systems are offline and being restored. Covers fixed costs and lost profit for the duration of the outage.

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Crisis PR & Reputation

Media response, customer communication, website recovery and social media management — damage to brand reputation often exceeds direct breach costs.

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Ransomware Negotiation

Expert negotiators to engage with cybercriminals, assess authenticity of threats, and in some cases authorise payment of ransom with built-in policy limits.

The Risk

Why cyber insurance
matters right now.

Cyber attacks are the fastest-growing threat to UK businesses. The average cost of a data breach is £3.39 million. Ransomware attacks can shut down your entire operation overnight.

Most standard business insurance doesn't cover cyber attacks — you're exposed. Our specialists understand cyber risk and can arrange the cover you actually need, without gaps.

Discuss your cyber risk →
Key Concerns

What keeps business
owners awake

Ransomware & System Downtime

Attackers encrypt your files and demand payment. Even with backups, recovery takes days or weeks — what about lost revenue in the meantime?

GDPR Fines & Regulatory Action

The ICO can fine you up to €20 million or 4% of global turnover for data breaches. Investigation costs and legal defence add up quickly.

Liability to Customers

Your customers may sue you for damages if their data is compromised in your care. Most general liability policies exclude cyber entirely.

Notification & Crisis Costs

Forensics, legal advice, notifying affected individuals, credit monitoring — these costs often exceed the cost of the attack itself.

Why Forum Insurance

Why construction professionals
trust us year after year

01

We understand construction contracts

JCT, NEC, bespoke appointment letters — we understand what your contracts require and make sure your insurance satisfies those requirements exactly. Many brokers don't read contracts. We do.

02

Specialist insurer access

Construction is a specialist risk class. We access insurers and underwriters with genuine construction expertise — meaning better policy wordings and claims handling compared to a generalist insurer.

03

One broker for every risk

Contractors combined, professional indemnity, JCT, structural warranty, legal indemnity — we place all of it. One broker, one renewal conversation, and no gaps between policies.

04

30+ years of construction claims

Construction claims are complex — multiple parties, contractual obligations, disputed liability. We've managed them for over 30 years and we know how to get the right outcome.

Incident Response

When you have a
cyber incident, we move fast.

A data breach needs immediate action. First hours matter — for evidence preservation, regulator notification, and customer communication. We work with specialist forensics firms, legal advisers and the insurer to manage the incident end-to-end.

Our goal: get you through the immediate crisis, protect your position with regulators, and ensure you get full cover for all legitimate costs.

Incident support hotline →
STEP 01

Immediate notification

Call us immediately when you suspect a breach. We notify the insurer on your behalf and coordinate emergency forensics to establish what happened and what data is at risk.

STEP 02

Forensic investigation

Specialist investigators determine the scope of the breach, how attackers got in, what data was compromised, and what steps are needed to prevent recurrence.

STEP 03

Regulatory & legal management

We manage notification to the ICO, affected individuals and relevant regulators. Legal advisers draft notifications to minimize breach costs and regulatory scrutiny.

STEP 04

Claims settlement

We ensure all legitimate costs are submitted to the insurer — investigation, notification, credit monitoring, legal defence, ransom negotiation — and that settlements reflect your full entitlement.

STEP 01

Call us before anything else

On a construction claim, early actions can affect your position significantly. Call us first — we'll advise on what to do, what to preserve, and what not to say.

STEP 02

We review your contract obligations

Construction claims often involve contract conditions that affect how the claim is presented. We review these before notifying the insurer to ensure your position is protected.

STEP 03

We manage all parties

Loss adjusters, engineers, surveyors, legal advisers — we coordinate the full process and ensure no party acts in a way that prejudices your claim.

STEP 04

We fight for a fair settlement

Construction claims are often underpaid at first offer. We know the policy wordings and we challenge settlements that don't reflect your full entitlement.

Common Questions

Cyber Insurance FAQs

Cyber insurance covers the costs and liabilities arising from data breaches, ransomware attacks, and cyber incidents. Coverage typically includes forensic investigation costs, notification to affected customers, regulatory fines (including GDPR fines), crisis PR and reputational management, business interruption losses, legal defence costs, and extortion demands. The specific covers depend on your policy, but our specialists ensure you get comprehensive protection tailored to your industry and risk profile.
Absolutely. Small businesses are actually prime targets for cyber attacks because they often have fewer defences than larger enterprises. Ransomware attackers commonly target SMEs, and the financial impact—notification costs, downtime, regulatory fines—can be devastating for smaller companies. If your business stores customer data, handles payments, or relies on digital systems to operate, cyber insurance is essential. Most standard business policies don't cover cyber incidents.
Cyber insurance premiums vary based on your business size, industry, revenue, data security practices, and claims history. A small business might pay £1,500–£3,000 annually, while larger operations could pay significantly more. The good news: proper security measures and data protection policies can reduce your premium. We'll provide a detailed quote tailored to your business after understanding your specific risk profile and requirements.
Professional indemnity covers claims of negligence or failure to deliver your professional service. Cyber insurance covers loss and liability from digital attacks and data breaches—ransomware, stolen data, network outages, and regulatory penalties. Many businesses need both. Professional indemnity protects against claims that you failed your client; cyber covers the digital infrastructure itself. We can ensure you have the right combination for your business.
Most standard business insurance policies—including general liability, professional indemnity, and business interruption—explicitly exclude cyber incidents. Unless you've specifically purchased cyber cover, a ransomware attack or data breach will likely fall into the excluded perils gap. This is one of the most common gaps we identify in businesses' insurance portfolio. We'll audit your existing policies to confirm and recommend the right cyber cover.
Act immediately. First, notify your cyber insurer—most policies require prompt notification to activate cover. Then: isolate affected systems to prevent further spread, conduct a forensic investigation (your insurer often covers this), assess the scope of the breach (what data, how many people), notify affected individuals and regulators as legally required (typically within 30 days for GDPR), and preserve evidence for investigation and potential legal action. Your cyber insurer will guide you through each step and cover most costs. Having cyber insurance means expert support during a crisis.

Rather talk it through first?

Book a free 30-minute call with our Cyber Specialist — no prep needed, no obligation.

Book a Call with a Cyber Specialist Call 0208 909 2899
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