Cyber Risk & Digital Safety Insurance Guide
Protect your business digital assets, customer data, online banking accounts, and cloud infrastructure against cyber extortion, ransomware, phishing, and data breaches.
What is Cyber Risk Insurance?
साइबर जोखिम और डिजिटल सुरक्षा बीमा क्या है?
Cyber Risk Insurance covers financial losses, forensic investigation fees, legal liabilities, and data recovery costs arising from unauthorized network breaches, malware infection, ransomware extortion, identity theft, and online banking fraud.
RBI Banking Zero-Liability Protection
Under RBI Circular DBR.No.Leg.BC.78/2017-18, bank customers face ZERO liability for unauthorized electronic banking debits if reported to their bank within 3 working days of receiving notification.
Personal Cyber Insurance Indemnity
Cyber insurance policies reimburse financial fraud losses, identity restoration, and legal defense costs beyond bank zero-liability, subject to timely FIR filing (Cyber Crime Helpline 1930) and policy exclusions.
Core Cyber Coverages
Ransomware & Malware Extortion
Covers professional forensic negotiator fees, data decryption costs, and server restoration expenses.
Data Breach Liability (DPDP Act)
Covers legal defense costs and customer notification expenses following unauthorized personal data leaks.
Online Financial Fraud Cover
Protects individuals and businesses against fraudulent UPI transfers, phishing, and SIM-swap losses.
Cyber Incident Document Checklist
National Cyber Crime Portal Complaint / FIR Copy
साइबर अपराध पोर्टल शिकायत / प्राथमिकी प्रति
Bank Statement showing Fraudulent Debit Transaction
अनधिकृत लेनदेन दर्शाने वाला बैंक स्टेटमेंट
IT Security Audit / Forensic Inspection Report
आईटी सुरक्षा ऑडिट / फॉरेंसिक जांच रिपोर्ट
DPDP Act Breach Notification / Customer Legal Notices
डिजिटल डेटा सुरक्षा उल्लंघन और कानूनी नोटिस
Server Malware / Ransomware Incident Logs
सर्वर मैलवेयर / रैंसमवेयर इंसीडेंट लॉग्स
Frequently Asked Questions
Assess Your Cyber Risk Vulnerability
FinSetu connects Indian digital enterprises, IT startups, and individuals with specialized cyber risk guidance.