Travelers CyberRisk (SME)
Travelers CyberRisk (SME) is a cyber insurance product underwritten by Travelers Insurance Company Limited (UK) (The Travelers Companies, Inc. (USA)), available in UK. It is aimed at micro-companies and sole traders and small and medium-sized businesses. Coverage limits reach up to Bespoke; SME limits.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 4 bundled proactive services — Vulnerability scanning, Incident response, Risk platform / portal and Crisis management — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A++ (Superior) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Travelers: one of the largest US commercial P&C insurers; A++ (Superior) AM Best; leading global cyber solutions provider; Travelers Syndicate 5000 (Lloyd's).
- Dedicated claims handler and breach coaches for all cyber policyholders; superior claims service.
- HCL Technologies services (mid-market and corporate): one hour pre-breach consultation and free staff cybersecurity training for policyholders.
- SentinelOne® platform (mid-market and corporate): endpoint detection and response.
- Corvus-powered vulnerability scanning: continuous monitoring and real-time exposure alerts (existing policyholders).
- Travelers CyberRisk SME: comprehensive cyber policy for small and medium enterprises; same specialist expertise as mid-market product, scaled for smaller businesses.
- Dedicated claims handler and breach coaches; dedicated service contact.
- Coverage highlights: forensic investigations, litigation expenses, regulatory defence expenses/fines, crisis management expenses, business interruption, cyber extortion, post-breach betterment (computer system improvement costs).
- Appetite: 25+ industry sectors; revenue below £50M.
Limitations
- SME-focused; revenues below £50M.
- Broker-only distribution.
- UK and Republic of Ireland (written on company paper).
- No appetite: Adult entertainment, airline, critical infrastructure, cryptocurrency, debt collection, emergency services, electricity/gas utility, NHS-affiliated healthcare, MSPs/cybersecurity, payment processors, political entities, primary UK technology, real time trading, social media, ticketing agency/software, tobacco/cannabis, water utility.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Travelers CyberRisk (SME) designed for?
Travelers CyberRisk (SME) by Travelers Insurance Company Limited (UK) targets micro-companies and sole traders and small and medium-sized businesses in UK. Geographic scope: EU / EEA..
+What proactive security services are included with Travelers CyberRisk (SME)?
The policy bundles 4 proactive services: Vulnerability scanning, Incident response, Risk platform / portal and Crisis management. These preventive services are typically included in the premium.
+Does Travelers CyberRisk (SME) help with NIS2 or DORA compliance?
Travelers Insurance Company Limited (UK) indicates the following NIS2/DORA support for this product: UK Cyber Security and Resilience Bill advisory included..
+How can I buy Travelers CyberRisk (SME) in UK?
Travelers CyberRisk (SME) is sold through insurance brokers — broker contact: https://www.travelers.co.uk/broker-resources. Compare it with alternatives in UK on Ryskly before approaching a broker.