Loading…
Trusted by businesses across India
The Cyber Threat Landscape in India
60%
of SMEs face a cyber attack within 6 months of launch
₹17.9 Cr
average cost of a data breach in India — IBM Cost of a Data Breach 2024
₹1.2 Cr
average ransomware demand targeting Indian businesses
What Cyber Insurance Covers
Comprehensive protection across eight critical risk categories — from your own first-party losses to claims brought by third parties.
Data Breach Response
End-to-end management of breach incidents — forensic investigation, regulatory notification to the Data Protection Board, and credit monitoring support for affected individuals.
Ransomware & Extortion
Specialist ransom negotiation, payment facilitation, and post-incident recovery support when attackers hold your systems or data hostage for payment.
Business Interruption
Revenue loss compensation and extra expenses incurred during system downtime caused by a covered cyber event — keeping the business alive while IT recovers.
Cyber Theft
Coverage for fraudulent fund transfers, social engineering fraud, and financial losses from digital deception targeting your accounts, payment systems, or treasury.
Third-Party Liability
Defence costs and damages for claims brought by customers, vendors, or partners arising from data exposure or privacy violations involving your systems or processors.
Regulatory Fines
Insurable penalties under the DPDP Act 2023 and fines levied by RBI, SEBI, and other regulatory bodies for covered data incidents — up to policy sub-limits.
Crisis Management
PR consultancy fees, media communications costs, and reputation repair expenses to manage public and stakeholder perception in the aftermath of a cyber incident.
Legal Defence
Defence costs, attorney fees, and settlement amounts in civil cyber litigation — including class actions brought following large-scale data exposures.
Who needs cyber insurance most
If you handle customer data, you need cyber insurance. The DPDP Act 2023 makes every data fiduciary accountable — regardless of size or sector.
Fintech & lending
Financial and identity data, and a regulator already watching.
Healthtech & diagnostics
Health data carries the highest sensitivity and the sharpest consequences.
SaaS & IT services
Your clients’ data sits on your systems, and their contracts say so.
E-commerce & D2C
Customer records, payment data, and a large attack surface.
Retail and F&B
A POS system and a customer database is enough exposure. This isn’t only a tech company problem.
Why It Matters Now
New Indian legislation has materially increased the cost of a cyber incident for every business that touches personal data.
DPDP Act 2023
Penalties up to ₹250 Cr per incident
The Digital Personal Data Protection Act 2023 imposes significant financial penalties on data fiduciaries for breaches. Section 8 mandates reasonable security safeguards — a failure to prevent a breach, even one caused by a third-party processor, can attract Board-level accountability and regulatory investigation.
Onsurity cyber policies include coverage for insurable DPDP Act penalties and the cost of mandatory breach notifications to the Data Protection Board of India.
CERT-In Directive
6-hour mandatory reporting window
CERT-In directions require organisations to report 20+ categories of cyber incidents to CERT-In within 6 hours of detection. Missing this window exposes the organisation to regulatory action. Organisations must also maintain 180 days of ICT logs on Indian servers.
Your cyber policy activates incident response immediately — the pre-appointed panel ensures CERT-In reports are filed correctly and on time, every time.
Real-World Claim Example
Bengaluru SaaS Company — Ransomware Attack
A Bengaluru SaaS company with 200 employees suffered a ransomware attack that encrypted all production servers. Attackers threatened to release customer data and demanded ₹80L to restore access. Operations were halted for 11 days. The company had a cyber insurance policy in force.
₹8L
Forensic investigation
₹35L
Ransom negotiation & payment
₹12L
Business interruption
₹3L
Customer notification
Total cyber losses incurred
₹58L potential out-of-pocket exposure
Covered by cyber insurance
₹58L
Illustrative claim scenario based on typical ransomware attack patterns in the Indian market. Actual coverage is subject to policy terms, limits, and deductibles.
Why buy cyber insurance from Onsurity
We consult, assess, and source the right cover
As your dedicated consultant, we assess risks, identify gaps, and source the exact coverage you need. We negotiate with top insurers to build a policy tailored to your unique vulnerabilities.
We catch the exclusions that actually hurt
Funds transfer fraud is a common loss for SMEs, yet it’s often hidden or capped in standard policies. We actively hunt down these exclusions so your business isn’t caught off guard.
One partner for your team and business
Why juggle multiple vendors when you can secure everything in one place? From employee healthcare benefits to comprehensive cyber insurance, we protect your entire operation.
How to get a cyber insurance quote online
From first conversation to cover placed — a straightforward, advisor-led process.
01
Tell us about your business
What data you hold, where it sits, who has access, and whether a client has asked you for cover. It takes about two minutes.
02
Talk it through with an advisor
An advisor walks you through your exposure, the limit that fits your data volume, and what any client requirement actually demands.
03
Get cover placed
Limit sized, wording checked against your obligations, then placed through our insurer partnerships.
Frequently Asked Questions
Common questions from businesses evaluating cyber insurance for the first time.
Complete your business protection stack.
Cyber insurance pairs with these Business Insurance products for complete business risk coverage.
Business Insurance
Directors & Officers Insurance
Protect your leadership team from personal liability for decisions made on behalf of the company — regulatory investigations, shareholder suits, and more.
Learn more →
Full Suite
Business Insurance
Explore the complete Business Insurance product suite — fire, burglary, public liability, D&O, cyber, and more — all in one place for modern Indian businesses.
View all products →
Give your business the protection big companies have.
Get free risk assessment and custom quote for your business instantly.
Talk to an advisorNo obligation · Free quote · Our underwriting team reviews every submission personally