When comparing business insurance quotes for cyber insurance, check whether cover is standalone or included as an add-on, and compare the limits, excesses and exclusions. Policies may cover incident response, data recovery, legal costs, customer notification and business interruption, but ransomware and social-engineering losses can have specific conditions. The price and terms may depend on factors such as your turnover, the data you hold, your industry and security controls, including backups and multi-factor authentication. An FCA-authorised broker or insurer can explain the differences and help you check that the policy suits your business.