Cyber
One morning your files are locked and a hacker demands a ransom. Cyber insurance pays for the recovery and the crisis response.
What it covers
The attack that locks everything
A hacker locks your files and asks for a ransom. The insurer pays the experts who get you running again.
The data leak
Your clients' data leaks out. The insurer covers the fine and the duty to warn the people affected.
Your business grinding to a halt
Your systems are down and you lose sales. That lost income is reimbursed.
Complaints from your clients
A client blames you for the breach that hit them. Their claim is taken care of.
What it does not cover
- If you leave your software without any updates, the insurer can refuse to pay.
- If a director triggers the attack on purpose, nothing is covered.
- If a loss is not written into your policy, it stays on you.
Who is it for?
You store client data
A single file with names or emails puts you at risk if it leaks.
You work with online tools
If your shop or your software goes down, you can no longer invoice.
Your clients ask for cyber cover
More and more large clients require this cover before they sign.
Frequently asked questions
Is it useful even for a small business?
Yes, hackers mostly target small, poorly protected companies. A single attack can cost a lot.
They ask about my security level, what do I do?
The insurer just wants to know how you protect yourself. Lesto helps you fill in this form and fix the weak spots.
What if the mistake comes from one of my employees?
You stay covered. Most attacks start with a click on a bad link, and that is expected.
What if my online provider goes down?
It is covered if your policy includes provider dependency. An outage at a major online service can then be compensated.
Ces garanties vont souvent ensemble
Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) picks up the bill for you.
DirectorsDirectors & Officers (D&O)
A decision you make for your company goes wrong, and people come after your personal money. D&O (insurance for company directors) keeps your assets out of reach.
Your program deserves to be calibrated to your reality.
One conversation is enough to identify your gaps and offer something better.