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    360o protection

    Malicious threats like zero-day malware, ransomware, spyware and scareware are on the rise but businesses can not ignore unintended disclosure and human error risks. Business interruption, cyber extortion, loss of critical operational data and electronic crime present cumulative risks that businesses must address.

    Businesses must protect themselves on all fronts. With Beazley’s 360° approach, companies have access to a comprehensive set of solutions created to protect their business from the dangerous world of cyber risks.

    In addressing these risks, one insurance policy stands apart. BBR provides breach response services for up to 5 million persons along with coverage for payment card industry costs, regulatory defense and penalties, and first party and crime coverage.

    All BBR policyholders have access to pre-breach and risk management services and in the event of a cyber breach, BBR policyholders will work directly with Beazley’s in-house breach response team, BBR Services, and Beazley’s claim team to resolve the incident.

    Our 360° approach to cyber risk makes BBR, quite simply, the world’s best designed cyber insurance solution.


    Our policy form is streamlined and comprehensive to cover your organization seamlessly in the event of a cyber breach. The BBR policy includes:

    Breach response

    • Legal services 
    • Computer forensic services 
    • Notification services for up to 5 million affected individuals 
    • Call center services 
    • Credit monitoring, identity monitoring or other personal fraud or loss prevention solutions 
    • Public relations and crisis management expenses 
    • All of the policy’s multiple limits will be available for breach response.

    First party

    • Business interruption loss from security breach or system failure 
    • Dependent business interruption loss from security breach or system failure 
    • Cyber extortion loss 
    • Data recovery loss
    • Data and network liability.

    Third party coverage

    • Third party information security and privacy coverage with up to $15M 
    • Full media liability 
    • Regulatory defense and penalties 
    • Payment card liability and costs.


    • Fraudulent instruction 
    • Funds transfer 
    • Telephone fraud.

    Criminal reward coverage

    In expanding our coverage, we have built on the unique policy design that has made Beazley a leader in cyber insurance since 2009. BBR offers more coverage per dollar of premium, through multiple towers of coverage that ensures the breach response costs covered under the policy do not erode your third party limits.

    Learn more about the coverage and BBR Boost.

    BBR Services

    A cyber breach isn’t always a disaster. Mishandling it is. Beazley is unique among insurers in having a dedicated business unit, BBR Services, that focuses exclusively on helping clients manage cyber incidents successfully.

    BBR Services is a dedicated team of cyber breach professionals who assist BBR policyholders at every stage of incident investigation and breach response. They coordinate the carefully vetted forensics experts and specialized lawyers to help you establish what’s been compromised; assess your responsibility; and notify those individuals affected. In addition, BBR Services coordinates credit or identity monitoring for your customers and PR advice to help you safeguard your reputation.

    We also, of course, indemnify your losses from lawsuits or regulatory actions, the risk of which may be reduced by a well-coordinated breach response but can never be completely eliminated. Beazley’s claims team has been at the forefront of defending clients in the developing and evolving legal arena of privacy class actions and regulatory investigations arising from cyber breaches.

    Beazley invented this comprehensive approach. We do more of it than anybody else. To date we have managed thousands of breaches swiftly and successfully.

    Pre-breach and risk management

    We recognize that preparing for and preventing breaches have become inseparable from insuring a cyber loss. Beazley offers a full suite of pre-breach breach and risk management services through our in-house BBR Services team and Lodestone.

    BBR Services provides a full range of resources to help mitigate risks before an incident occurs. On our Beazley owned and managed risk management portal,, you will find resources for incident response planning, employee training, compliance, and security best practices. Newsletters and live expert webinars educate you about the latest threats, preventive steps, and regulatory developments. BBR Services also coordinates a variety of pre-breach services such as onboarding calls, incident response plan reviews and on-site workshops so you can improve the robustness of your cybersecurity.

    With the increasing need for pre-breach and cyber-security services, Beazley has established Lodestone to offer both strategic and tactical services and expertise to enhance their clients’ cyber defenses, because you shouldn’t have to be a Fortune 500 company to afford rigorous cybersecurity. Smaller organizations are targeted as frequently as major corporations, but often lack access to the internal expertise and resources that large businesses can draw upon.

    BBR policyholders will have access to services from Lodestone at negotiated rates.

    Meet your team

    Beazley Breach Response forms

    Application forms

    BBR full application
    BBR renewal application
    BBR short form application
    Ransomware supplemental application
    OT supplemental application less than 250m
    OT supplemental application
    Fraudulent instruction supplemental questionnaire application
    Dependent business interruption worksheet
    Music copyright claims questionnaire


    BBR Brochure
    BBR Pre-breach services
    BBR Post Breach Services
    BBR Risk Management
    BBR Timeline
    BBR Data Breach
    BBR first party computer claims
    BBR Coverage
    BBR After the Breach
    BBR Ransomware
    Cyber & Breach Response broker portal factsheet
    Cyber & Tech claims
    BBR Healthcare
    BBR Higher Education

    Risk insights

    Beazley Breach Alert - Ransomware: Overview, Prevention and Response Best Practices
    Breach Insight July 2018
    Incident response plan – Why you need one and how to create it
    Breach Insight April 2018
    Breach Insight July 2017
    Breach Insight April 2017
    Breach Insight January 2017
    Breach Insight October 2016
    Breach Insight July 2016
    Breach Insight March 2016
    Ransomware: Best Practices for Prevention and Response
    Case of the $1.7 million laptop
    Data privacy and cybersecurity in higher education
    Breach Insight October 2017 - Healthcare Special Edition


    Beazley 2017 Breach Briefing
    Sign up for Beazley updates