Build the file for the covers nobody enjoys explaining.
Cyber protects the business. Directors cover protects the people running it. This walks you through whichever one brought you here – or both – asking only what an insurer prices, one question per screen. You read the finished file before anything moves.
Read it over. Change anything that reads wrong. When it is true, drop it into the form and choose how the reply reaches you.
What a complete cyber and directors file includes.
These two covers get bought late and explained badly. The file below is what lets a licensed person quote them properly on the first pass instead of the third email.
What you actually hold
Whose information sits in your systems – customers, cards, health details, employee files – and roughly how many people a leak would touch. Notification costs scale with that count.
How money moves
Whether payments leave on someone’s say-so, how often, and whether client funds ever sit with you. Fake-invoice fraud is built on exactly this, and insurers price for it.
What downtime does to you
How long the business survives with systems dark. A shop that can run on paper for days is a different risk from one that stops mid-sale.
The protections you can prove
Two-step login, backups kept apart from the office, a restore you have actually tested, patching, phishing reminders. Insurers verify these at claim time, so the file only counts what is true.
The incident history, straight
Close calls included. A phishing email your staff caught says something good about you. The one nobody mentions until claim time says something worse.
The organisation and its board
What the entity is, who sits on the board, and how last year’s books ended. Directors cover is priced off the health of what the directors steer.
The people questions
Staff count and any departure that ended in a dispute. Employment claims are the most common thing directors cover actually pays for.
Who is asking for this
A client contract, a funder, a lender, or your own decision. The demand sets the limits and the deadline, so it belongs in the file from the start.
Employment practices, crime, technology errors and omissions – what belongs alongside these two covers is exactly what the quote comes back showing, priced separately so nothing hides inside a bundle.
Read by a person who quotes this for a living.
The file goes to the commercial desk, gets read whole, and the reply comes back the next business day, and usually the same day – as an email, a call, or a time to sit down. You pick on the form, and nobody phones who was not asked to.