Award-Winning Insurance Broker Specialising in Cyber Insurance Online

Trafalgar Risk Management is a privately owned, award-winning Insurance Broker, set up to provide easy and affordable business insurance online to the SME, Consultant, and Affinity Group sectors. We offer a range of products including our commercial and personal cyber insurances.

Trusted cyber insurance specialists

Protect what matters most — personal cyber insurance and commercial cyber insurance.

Whether you’re safeguarding your family’s digital life or your company’s critical data, we have cyber insurance built for the real threats of today.


FCA authorised & regulated Claims handled 24/7 UK based support team Commercial cover starting from £125.00* a year Personal cover starting from £10.40* a year
* excl. IPT and fees

Our products

Two types of cover — one trusted insurer

Choose the policy that fits your situation. Both include 24/7 incident response and expert support when you need it most.

For businesses

Commercial cyber insurance

Protects your organisation against financial loss, legal liability, and reputational damage caused by a cyber event and data breaches.

  • Data breach response & notification costs
  • Business interruption & lost revenue cover
  • Third-party liability (data liability Event or network security event)
  • Cyber extortion costs
  • Regulatory fines & legal defence costs
  • Cyber forensics & IT restoration
  • PR crisis management support
  • Hardware replacement costs
See the full list of what's covered ↗
For individuals

Personal cyber insurance

Covers individuals and families from online fraud, identity theft, cyberbullying, and the growing threats of everyday digital life.

  • Identity theft restoration & fraud losses
  • Online banking & payment fraud
  • Cyberbullying counselling & support
  • Ransomware on personal devices
  • Data recovery & device restoration
  • Reputational damage & content removal
  • Online extortion (sextortion) cover
  • Social media account hijacking
See the full list of what's covered ↗

Understand the difference

Commercial vs personal cyber cover

See how protection differs depending on whether you’re insuring a business or yourself and your family.

Feature Commercial Personal
Who it’s for Businesses, sole traders, SMEs, enterprises Individuals, families, home users
Primary risk covered Business assets, customer data, legal liability Personal finances, identity, online safety
Liability cover Third-party claims from clients or regulators Limited to personal liability scenarios
Regulatory cover ICO fines, GDPR breach penalties, legal costs Not typically applicable
Business interruption Lost revenue while systems are offline Not included
Identity theft Covered if employee or director affected Core coverage for policyholder & family
Incident response Forensic IT teams, legal & PR crisis support Dedicated personal case manager
Cover limits £50k – £10m+ depending on business size £5k – £100k personal loss limit

Why cyber insurance

The benefits of getting covered

Cyber threats are the fastest-growing risk category. Insurance gives you the financial safety net and expert help to recover fast.

Financial protection

Cyber crime cost UK individuals and businesses billions last year. Insurance covers direct financial losses so you’re not left out of pocket.

Rapid incident response

Access to specialist cyber teams 24/7 who can contain attacks, restore systems, and limit damage before it escalates.

Identity restoration

If your identity is stolen, our experts manage the entire recovery process — from notifying agencies to reclaiming accounts.

Legal & regulatory cover

Cover for legal defence costs and regulatory penalties, including GDPR fines that can reach millions for businesses.

Business continuity

Commercial policies pay lost revenue while your business is down — so your team keeps getting paid even during recovery.

Mental health & wellbeing

Cyberbullying and online abuse take a real toll. Personal policies include access to counselling and psychological support.

Get a Personal Cyber Insurance quote ↗ Get a Commercial Cyber Insurance quote ↗

Client Testimonials

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Dec 04, 2025
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Our TRM Brochure

Trafalgar has a committed philosophy of only asking clients the questions necessary to provide them with the cover they require. In the case of most professions, clients are asked just four questions in the application process for the right cover to be delivered immediately, at a highly competitive price.

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