P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years

Cyber Risks Cover


A dedicated Cyber scheme including a 24/7 emergency response service.
  • First Party cover
  • Third Party risks
  • Recovery services (ReSecure) provided by RPC (www.rpc.co.uk)
  • Short Proposal form = quick quotations


SME businesses with revenue up to £3m. However our facility does enable us to place larger risks on a bespoke basis.


Cyber Risks Cover is available to UK registered companies. We have an agreed list of over 500 types of businesses that are acceptable without referral to underwriters. Certain risks cannot be covered. These include: USA related businesses and custodians or managers of client funds.


247 Breach Response Service
In view of the serious business risks presented by a data security breach, it is important that a company is in a position to respond to and mitigate those risks promptly and effectively

  • The ReSecure emergency breach response service is included as part of the cover
  • ReSecure provides access to a combined team offering data breach management, technical forensic investigation, legal advice, notification, web and credit monitoring, and public relations services.

Policy cover:

This is split into 2 key parts:

Impact on the business – often referred to as FIRST PARTY

  • Customer notification expenses – where a legal/regulatory requirement
  • Loss or damage to digital assets – system and data rectification costs
  • Business Interruption – loss of net profit and increased costs of working
  • Extortion
  • Cyber theft

Impact on others – often referred to as THIRD PARTY

  • Costs related to security and privacy breaches including:
  • Defence costs
  • Investigation
  • Compensation
  • Fines

Standard limits available: £250,000, £500,000, £1m (higher limits on application)

Policy excesses – these vary depending on the turnover and type of business.


Markel International Insurance Company Limited – London.



These are derived from the type of business, turnover and percentage of e-commerce trading. Premiums start at £150.


Brokers and Agents:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Direct customers:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Last updated: 1st May 2018.


With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; Cyber Risks Cover; SAFI and IIA Travel Protector.

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A tailor-made insurance for almost any activity or occupation including amateur sports, manual work and hazardous pursuits