Cyber Insurance

Protect your business against cyber threats

Cyber Insurance

Protect your business against cyber threats

At a Glance
The information and digital age allow us to collect more data, collaborate more efficiently, streamline business processes, and extract information around the globe 24/7.

Increased reliance on computer systems and access to information can significantly increase a company’s vulnerability to cyber security threats. Outages, mistakes, or attacks on these new processes can result in significant out-of-pocket costs that can devastate an organisation’s bottom line. When it comes to data security breach or privacy loss, it isn’t a matter of whether it will happen, but rather when it will happen. To prevent it from happening, you’ll need comprehensive protection from an insurer that specialises in handling cyber risks, offers a full suite of integrated insurance solutions to help minimise gaps in coverage, and understands how to tailor coverage for your business.


Chubb’s international cyber teams have over 20 years of underwriting experience and claims handling


Enterprise risk

Beyond insurance, we provide prevention and risk management advice to help your business minimise loss


Tailored solutions

Our team works together to provide tailor-made solutions for your specific needs

Features & Benefits

Assessment during underwriting helps you understand risks and plan coverage more effectively

risk management advice

Enhanced risk management advice during the policy period


Dedicated 24/7 incident response teams assist in a covered cyber incident

rated insurer

A simplified policy with end-to-end solutions, backed by a diversified AA+ rating global insurer

What it Covers

Standard version

First Party

  • Incident Response – from an actual or suspected cyber event – often nil deductible
  • Business Interruption – loss of net profit and continuing operating expenses

  • Data and System Recovery – increased cost of work, data recovery costs, additional business interruption mitigation

  • Cyber Extortion – extortion payments and negotiation

Third Party

  • Privacy and Network Security Liability– liability following data breach or failure of network security:

    • PCI DSS contractual fines and penalties
    • Consumer redress fund
    • Regulatory fines and penalties (where legally insurable) – GDPR

  • Media Liability – liability following defamation or infringement online

The Highlights

  • Contingent business interruption –for outsourced technology providers

  • System failure triggers – human error, programming error, power failure

  • Standard extensions:

    • Emergency incident response expenses within 48 hours for SME and Middle Market insureds – nil deductible
    • Betterment costs – improvement of software and applications
    • Cyber crime – direct financial loss following cyber theft
    • Reward expenses
    • Telecommunications fraud

  • Pay on behalf for incident response expenses

  • Flexible incident response providers

  • Rogue employee

  • Voluntary notification

  • Voluntary shutdown

  • By endorsement: Reputational Harm Extension, Social Engineering Fraud

  • Cyber terrorism

  • Worldwide coverage

Simplified version

  • Network or data extortion
  • Computer Crime – Theft of money by Unauthorized assess or by Vendor or supplier/ Executive impersonation/ Client impersonation (Social Engineering Fraud).
How to Apply

For existing DBS SME Banking customers:

  1. Call DBS Chubb Insurance Service Hotline at 3191 6618; or
  2. Click the button below and fill out the online referral form. Chubb will contact you as soon as possible.

For non-DBS SME Banking customers:

Click the button below and fill out the online enquiry form.

Contact Us

For existing DBS SME Banking customers:

Insurance products related enquiries:

  1. Call DBS Chubb Insurance Service Hotline at 3191 6618; or
  2. Click the button below and fill out the online referral form for enquiries. Chubb will contact you as soon as possible.

Other enquiries:

  1. Contact your Relationship Manager or DBS BusinessCare.

For non-DBS SME Banking customers:

Click the button below and fill out the online enquiry form.

Important Notes
  1. The above insurance plan is underwritten by Chubb. Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited ("the Bank") is an insurance agent authorised by Chubb.

  2. DBS Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.

  3. The Bank may receive commissions and incentives from Chubb as remuneration for marketing or promoting Chubb’s products.

Collection of Levy on Insurance Premium
The Insurance Authority (IA) has announced the collection of levy on insurance premium in accordance with relevant laws and regulations. Effective from 1 January 2018, all premiums shown in this webpage are subject to levy. Find out more at

The above information is intended to be a general summary for reference only and does not form part of the policy. Please refer to the policy wording for exact terms, conditions and exclusions. The above information shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong SAR. In the event of any discrepancy between English and Chinese version, the English version shall prevail.
Know more

Knowledge is protection too. These useful reads can help you learn, prepare and safeguard yourself against online threats.