Our Cyber insurance provides protection against financial losses from stolen devices, phishing scams and spoof emails, and identity theft.
The cybercrime landscape is changing fast. Today individuals, not just businesses, face significant cyber threats. Financial losses from stolen devices, phishing scams and spoof emails, or identity theft can havecrippling consequences.
Tokio Marine Kiln (TMK) provides personal lines cover and a suite of services to safeguard individuals at risk.
This product is designed for private individuals. It is a coverage enhancement structured either as a standalone cyber policy or an endorsement to an existing policy. Options for extended covers are also available.
TMK works with clients who have an established home-owners portfolio: either a coverholder with a delegated authority agreement or a cedant with a quota-share reinsurance treaty.
Policyholder access to a 24/7 cyber hotline with expert management of incidents and around-the-clock assistance with any cyber queries or concerns
Cyber wording
Rating guidelines
Marketing materials for support and guidance
Coverholder or Cedant commission
70%–90% quota share cession for treaty
Our coverage is available globally with the following options
Available limit
USD10,000–USD50,000
Limits up to USD1m are available for a standalone product.
Cover
Why
What it covers
Cyber attack
Over 2,200 cyber-attacks occur daily worldwide—about one attack every 39 seconds. Ransomware alone accounts for 68 % of detected threats, and global cybercrime damages are estimated at $10.29 trillion annually. (Source: DemandSage)
The cost of restoring programs or replacing the device.
Ransomware
In 2024, the average cost of a ransomware attack—including ransom payment, recovery, downtime, and indirect damages—was approximately $5.13 million. This figure is expected to rise to $5.5–$6 million in 2025. (Source: purplesec)
The ransom demand and any expenses incurred as a result of paying or mitigating the incident. The policyholder will have access to a team of experts to resolve the incident.
Identity theft
In the first half of 2025, the U.S. reported 748,555 identity theft cases, including 323,459 cases of credit card fraud—a 51 % year-over-year increase. (Source: The Motley Fool)
Investigatory costs such as obtaining and reviewing credit reports, placing fraud alerts and facilitating security freezes. The policy also covers payment for credit monitoring services.
Cyber crime
Global cybercrime damage was estimated to have reached $9.5 trillion in 2024, making it one of the largest “economies” by economic impact—if it were a country, it would rank third after the U.S. and China. (Source: cybersecurityventures)
Payment of the charges incurred, funds transferred, and the costs of replacing personal documentation as a result of phishing scams or credit card fraud.
Smart devices attack
In 2024, the number of users encountering mobile banking Trojans surged 3.6‑fold, rising from roughly 69,200 users in 2023 to 247,949 users in 2024 worldwide (Source: comparitech)
Restoration of any smart devices that are compromised by a hacker, including smart speakers, appliances and watches.
Cyber bullying
Mobile platforms have made bullying easier to carry out.
Expert assistance in dealing with cyber bullying, including removal of malicious content and the cost of therapy sessions.
Home businessextension
Home business set up is increasing.
Costs associated with data breaches, including third party liability, legal costs and fines and/or penalties from regulatory action.
Tokio Marine Kiln, in partnership with CyberClan, a leader in comprehensive cybersecurity services, provides clients with end-to-end enterprise security solutions to keep business safe from cyber-risk.
With an industry-leading 15-minute response time and expertise combining industry-leading technology and tailored solutions, CyberClan provides the insured with peace of mind and support at first notice via the TMK Dedicated Breach Response Hotline.
Tokio Marine Kiln is a leading international specialist insurer operating in the Lloyd’s insurance market. As part of one of the world’s largest insurance groups, Tokio Marine Group, we give our clients stability and strength to fulfil their ambitions by mitigating and responding to complex and ever-changing risks.
We have eight specialist underwriting teams focused on Property & Motor; Liability; Special Risks; Cyber & Enterprise Risk; Aviation; Marine & Energy, Specialty Reinsurance and Portfolio Solutions, which are complemented by our outstanding Claims service.
Backed by more than 60 years of specialist expertise, a focus on empowered decision making, and our reputation for innovation, we are committed to insuring a better tomorrow. www.tmkiln.com
Tokio Marine KilnAuthorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number: 204909. Registered office is located at 20 Fenchurch Street, London EC3M 3BY Registered Number: 729671. Tokio Marine Kiln is a trading name.
