Kovrilo adds cyber and electrical breakdown cover for UK SMEs

Kovrilo, a MISSION-backed managing general agent that provides modular commercial combined insurance for UK small and medium-sized enterprises, has expanded its product suite with new cyber and electrical breakdown covers. The changes, developed in partnership with specialist engineering and technology insurer HSB, target risks tied to the growing dependence of businesses on digital infrastructure and electrical systems.

Kovrilo has also strengthened its Plant, Machinery & Tools cover to extend protection for core operational assets. The company's modular insurance model lets brokers and clients build cover around specific risk profiles rather than standardised packages.

Sonia Habib, Co-CEO and Commercial Director at Kovrilo, said: “Kovrilo’s proposition is built on choice. To provide truly tailored solutions, we need to keep expanding our product suite to reflect the wide range of evolving risks businesses face.”

The UK Government’s Cyber Security Breaches Survey 2025 found that 43% of businesses reported a cyber breach or attack in the last 12 months. Kovrilo's new Cyber cover targets cyber attacks, data breaches, ransomware events and other technology-related incidents that can cause financial loss, operational interruption or reputational harm. The policy includes access to specialist incident response services.

The Electrical Breakdown cover protects against sudden failure of electrical systems and equipment, including power surges, electrical arcing, mechanical faults and electrical derangement. It can support repair or replacement costs, damage to electrical and electronic equipment, machinery and control system failures, interruption to business activity after a covered breakdown, and additional expenditure to maintain continuity of operations.

Habib said: “Cyber incidents and equipment failures can have consequences well beyond the immediate cost of repair or replacement. For many SMEs, they can result in lost revenue, operational disruption, reputational impact and unexpected costs at a time when resources are already under pressure. These enhancements allow us to give brokers more options to shape protection around the realities of how their clients operate, ensuring appropriate cover is available when it is needed most.”

Kovrilo’s modular model lets brokers and clients construct cover based on specific risk profiles rather than standardised packages. The approach is designed to give businesses more control over how their insurance responds to operational needs.

Kovrilo is a managing general agent backed by MISSION, a specialist insurance investor. HSB is a specialist engineering and technology insurer{