Cyber Insurance
Cyber Insurance safeguards your business against these growing risks by covering expenses related to data breaches, system restoration, and crisis management. At Expat Insurance, we secure policies providing complete protection — from immediate response to long-term recovery support.
Who Needs Cyber Insurance?
Cyber threats are not limited to large corporations. Small and medium-sized businesses are targeted because of weaker security systems and valuable customer data. All companies rely on digital systems, email, online ordering, customer databases, or internal networks to operate…
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day-to-day. Even companies that do not view themselves as “technology businesses” are exposed simply by using computers, cloud software, and internet-connected systems.
A single incident — whether a phishing scam, ransomware attack, accidental data leak, even a lost or stolen mobile phone or laptop — costs millions in data recovery, fines, and lost customers trust.
This is particularly important for businesses where downtime would immediately impact revenue, communication, or service delivery. If your business depends on email access, online transactions, or stored customer or financial data, a cyber incident can quickly escalate from a technical issue into a serious operational and financial crisis.
Possible Pitfalls We Help You Avoid
A common mistake is assuming Cyber Insurance is unnecessary because “nothing has happened yet.” Even non-malicious incidents — system failures, access issues, or external interference — can lead to days of disruption, confusion, and lost productivity.
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· Data breach exclusions: Some policies exclude cyber events. We ensure your plan covers digital and physical data breaches.
· Limited ransomware coverage: Insurers may cap payouts for extortion. We ensure your ransomware protection is sufficient and comprehensive.
· Missed business interruption protection: Not all policies include loss of income coverage.
· Vendor-related breaches: When third-party systems cause a data loss, coverage can fail. We help extend liability protection across your supply chain.
Another pitfall is underestimating the complexity of response. When systems are compromised, most businesses do not have immediate access to cyber security experts, recovery teams, or emergency infrastructure. Expat Insurance helps avoid policies that sound comprehensive but lack practical response benefits.
Cyber Insurance is not just about compensation — it’s about the rapid access to expertise that keeps a business functioning when it matters most.
Why Work With Expat Insurance?
Cyber Insurance is a misunderstood product, and many businesses are unsure whether they need it or what it actually does. Expat Insurance helps assess real-world risks based on how your business operates.
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We guide you through what Cyber Insurance can realistically deliver, explain how insurers respond during incidents, and help you decide whether the protection makes sense for your situation. Where appropriate, we also ensure Cyber Insurance aligns with your broader Business Insurance structure.
Our role is to make sure that if something goes wrong, you’re not facing it alone — and that expert help is immediately available, rather than scrambling for solutions during a crisis.
What Does Typical Cover Include?
Cyber insurance covers financial losses from cyberattacks, data recovery, business interruption and extortion payments, plus legal fees, customer and client notifications and regulatory fines.
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· Data Breach Response – covers investigation, notification,
and recovery costs after a cyberattack
· Ransomware & Extortion – financial protection if hackers demand payment or disable your systems
· Network Security Liability – defense against third-party claims for compromised data or service outages
· Business Interruption – compensation for lost income due to cyber incidents or downtime
· Reputation Management – covers PR and communication efforts to restore public trust
· Regulatory Fines & Legal Fees – assistance with penalties, investigations, and settlements
With Expat Insurance, your business gains more than a policy — you gain a strategic partner dedicated to keeping your operations, data, and reputation safe from today’s most advanced threats.
Let's Get Your Insurance Done Right
Choosing the right Cyber Insurance policy requires a detailed understanding of your technology, data flows, and potential vulnerabilities, so coverage can be properly aligned with your actual cyber risk exposure.
We learn About Your Business.
We evaluate your computer systems, data storage, third-party integrations etc.
We clarify your protection options.
We explain the difference between first-party (your losses) and third-party (client claims) coverage.
We negotiate better terms.
We ensure your policy includes incident response support, low deductibles, and broad coverage.
We’re with you for the long haul.
From renewals to policy reviews, we don’t disappear after the sale.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
Commonplace in Hong Kong, these events show how one illness or accident can rapidly become a financial emergency. The outcome often depends on whether the right policy is in place.
