Cyber & Data Insurance

Posted in: News- Oct 23, 2015 No Comments

The recent hacking of the Talk Talk web site highlights the dangers that face businesses today.

Hacking accounts for circa 10% of Cyber crime whilst accidentaly e.mailing information to the wrong recipient is closer to 50%!

Those Individuals and Companies that hold client data are particularly exposed with legislation in the pipeline that will make controlling data a Regulated activity with heavy fines.

Cyber & Data Insurance will offer comprehensive protection for risk including:

Breach Costs: support including forensic investigators, legal advice, notifying customers and regulators

Cyber Business Interruption: Loss of revenue

Privacy Protection: Defence and claims costs for failing to keep customers’ personal data secure

Hacker Damage: repair, restoration and replacement costs for hacker damage

Media Liability: protection if a copyright is mistakenly infringed

Cyber Extorsion: Ranson paid and risk consultancy support to manage the situation








Shaadi Cover wedding scheme launched

Posted in: News- Jan 28, 2014 No Comments

We are pleased to announce that we have launched our bespoke Asian Wedding insurance scheme underwritten by AXA Insurance.  See for more details.

The Employers’ Liability Tracing Office (ELTO)

Posted in: News- Jan 23, 2012 Comments Off on The Employers’ Liability Tracing Office (ELTO)

The ELTO service has been introduced by the insurance industry to make it easier to search for Employers Liability insurance policies using a central database – containing all new and renewed Employers Liability insurance policies from 1st April 2011, policies from before 1st April 2011 that have new claims made against them and policies that were identified through the previous tracing service (Employers’ Liability Code of Practice (ELCOP) tracing service).

For policies incepting or renewing on or after 1st April 2012 ELTO member insurers will have to provide mandatory information including the Employers Reference Number (ERN) for both the policyholder and any subsidiary company insured by the same policy

The Employer Reference Number (ERN) also commonly referred to as ‘Employer PAYE Reference’ will serve as a unique identifier for the insured client organisation. UK businesses employing one or more people are required to have the ERN, which is the reference number for their employees’ income tax and national insurance contributions. The only exemption is where the employer pays all their employees below the PAYE threshold (£503.00 monthly). It is a requirement to capture information about every subsidiary company that is to be covered by the policy.

For further information visit