Cyber insurance for a small business may help with costs following incidents such as data breaches, ransomware, phishing or a network outage. Depending on the policy, this could include investigation and IT recovery, notifying affected customers, legal advice, public relations, business interruption and claims from third parties. Policies can exclude losses linked to poor security controls, unpatched systems or deliberate acts, and will have limits, excesses and conditions to check carefully. Compare cover with an FCA-authorised provider or broker, and consider guidance from the National Cyber Security Centre.