Cyber insurance:
Secure your identity online

Extensive insurance coverage for online scams, data breaches, and ransomware attacks.
Dark-web monitoring and credit profile checks to detect leaked or misused data.
Up to $1 million for identity theft recovery and $100,000 for cyber extortion response.
24/7 expert assistance guiding you from incident to full recovery.
NordProtect offers best-in-class tools for secure browsing, scam prevention, and phishing protection.

Woman checking a cyber insurance policy on a smartphone in an urban setting.

A smiling man using his smartphone with a green icon labeled “Your ID protection benefits” in the corner.

What is cyber insurance?

Cyber insurance is a category of insurance products designed to help individuals recover from cyber incidents that affect personal data — like hacking, identity theft, data breaches, and other types of online scams that involve unauthorized access to personally identifiable information (PII). A cyber insurance policy creates a financial buffer by reimbursing covered financial losses, coordinating the recovery process, and providing access to experts who understand the technical and legal aspects of cyber incidents.

NordProtect provides complete support with common cyber insurance benefits. It includes identity theft protection services such as credit monitoring and more. You’re covered for both technical damage and the aftermath, including recovery, and legal guidance.

How does cyber insurance work?

Cyber insurance operates on the same principles as other forms of insurance — a policyholder pays for coverage, and the insurer compensates the beneficiary for costs arising from specific incidents defined in their policy — but it offers the strongest protection when supported by proactive measures such as continuous data monitoring, scam-alert systems, and expert guidance.

NordProtect is designed around this integrated approach, combining insurance coverage with cybersecurity tools and professional support that help prevent, detect, and respond to digital threats more effectively than insurance alone.

Credit monitoring, dark web scans, and scam alert systems are often offered alongside cyber insurance, and their early detection capabilities can significantly improve the value of cyber insurance benefits.

By showing where personal data appears online and flagging irregular activity quickly, these tools help contain potential fraud before it escalates.

When insurance is paired with this kind of early visibility, the severity of incidents is reduced, consumers gain greater confidence, and coverage can become more accessible and affordable.

A dark web monitoring interface with a checklist showing completed and in-progress tasks.

A security alert showing a data breach marked as "HIGH RISK" in red.

Why cyber insurance matters today

Cyber insurance has become increasingly relevant as personal information is now distributed across banking platforms, shopping websites, cloud services, government portals, and household devices connected to the internet. Individuals routinely handle sensitive data that, if stolen, can lead to lost income, significant administrative burdens, and long-term financial or legal complications.

Victims of online fraud often spend months navigating administrative processes, contacting institutions, and undoing unauthorized activity. Cyber insurance shifts much of that burden to professionals who specialize in incident response. It provides structure at a time when individuals may otherwise struggle to determine what steps to take or which organizations to contact.

What does cyber
insurance cover?

Although specific details vary by provider, most cyber insurance policies include several core protections. Together, these protections create a comprehensive framework for addressing the technical, financial, and administrative impacts of a cyber incident.

NordProtect offers cyber insurance benefits that have your back: online fraud insurance, cyberattack insurance, cyber extortion insurance and more. Explore the protections included in eligible plans.

Online fraud insurance benefit

Online fraud insurance benefit reimburses direct financial losses from fake charity sites, peer‑to‑peer payment scams, and unauthorized card charges — up to the limits of your plan. Available in selected NordProtect plans.

Cyberattack insurance benefit

Cyberattack insurance benefit pays for professional data recovery, device re‑imaging, and utility bill overages caused by crypto mining malware. Available in selected NordProtect plans.

Cyber extortion insurance benefit

Cyber extortion insurance benefit pays up to $100,000 to handle ransomware or cyber extortion demands. Our specialists coordinate negotiations, cover approved ransom payments, and verify that the supplied decryption tools are safe before your files are restored.

Identity theft recovery

Identity-theft recovery provides a dedicated case manager and up to $1 million for legal fees, document replacement, and lost wages. Typical resolution times adhere to industry standards and are managed by your case manager.

Two sets of hands at a table, one person is signing a document.

What cyber insurance does not usually cover

Cyber insurance policies do not cover every digital issue. Most exclude incidents resulting from deliberate misconduct, long-standing vulnerabilities, or issues that fall outside the policy’s purpose.

Typical exclusions include:

Cyber incidents that occurred before coverage began.
Intentional actions by the policyholder.
Known vulnerabilities left unaddressed.
Losses associated with commercial or business operations if the policy is designed for personal use.

How can you get NordProtect?

Get NordProtect’s cyber insurance benefits in just a few simple steps.

Get NordProtect

01. Get NordProtect

Choose the subscription plan that works best for you.

02. Set up NordProtect

Add your information and complete identity verification.

03. Get security alerts

Receive real-time alerts about potential risks.

Secure your identity
across the internet

Access up to $1 million for identity restitution, $50,000 in ransomware relief, and $10,000 for losses resulting from online scams.

Get NordProtect

FAQ

Who should get cyber insurance?

Anyone who shops, banks, or stores personal data online should consider cyber insurance. It provides financial protection against the growing risks of identity theft, data breaches, and other types of online scams.

Is it worth getting cyber insurance?

Yes, because it helps prevent identity theft from turning into larger financial issues. It also includes identity theft protection services and expert help to report identity theft to the right institutions properly.

What does cyber insurance not cover?

Cyber insurance doesn’t cover deliberate actions, prior breaches, or losses related to business operations. The policy is built for individual, not commercial, cases.

How much does cyber insurance cost?

Cyber insurance through NordProtect comes at no extra cost — it’s included as part of the plan you choose. The level of insurance-related protection you receive depends on your selected plan and the built-in tools and technologies that come with it.

The credit scores provided are based on the VantageScore 3.0® credit score by TransUnion® model. Lenders use a variety of credit scores and may utilize a different scoring model from VantageScore 3.0® credit score to assess your creditworthiness.

You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.

No single product can fully prevent identity theft or monitor every single transaction.

Some features may require authentication and a valid Social Security Number to activate. To access credit reports, scores, and/or credit monitoring services (“Credit Monitoring Services”), you must successfully pass your identity authentication with TransUnion®, and your VantageScore 3.0® credit score file must contain sufficient credit history information. If either of these requirements is not met, you will not be able to access our Credit Monitoring Services. It may take a few days for credit monitoring to start after a successful enrollment.

NordProtect's dark web monitoring service scans various sources where users' compromised personal information is suspected of being published or leaked, with new sources added frequently. Service logos displayed in dark web monitoring alerts are provided by Logo.dev and represent services where users have accounts. These logos are included in alerts to help users quickly identify which service may have experienced a data breach affecting their personal information.

However, there is no guarantee that NordProtect will locate and monitor every possible site or directory where consumers' compromised personal information is leaked or published. Accordingly, we may not be able to notify you of all your personal information that may have been compromised.

Identity and cyber protection benefits are available to customers residing in the U.S., including U.S. territories and the District of Columbia, with the exception of residents of New York. Benefits under the Master Policy are issued and covered by HSB Specialty Insurance Company. You can find further details and exclusions in the summary of benefits.

Our identity theft restoration service is part of a comprehensive identity theft recovery package that offers a reimbursement of up to $1 million for identity recovery expenses. To access the support of an identity restoration case manager, you must file a claim with HSB, which NordProtect has partnered with to provide the coverage. HSB is a global specialty insurance company and one of the largest cyber insurance writers in the U.S.

Cyber insurance: Secure your identity online