--- title: "How a Syba cyber insurance claim works" description: "How a claim runs: you file it once, one person owns it from first report to outcome, documents go to the carrier, and every update lands on your dashboard." canonical: https://sybainsurance.com/how-claims-work --- # What happens after you call. Your concierge team owns the claim from first report to resolution. You file once, a real person takes it from there, and every update lands on your dashboard. ## What happens in a cyber incident. Carriers pay covered claims. Syba runs the response. A licensed broker places the policy. Follow one incident from the moment something goes wrong to a claim closed in writing, and see who does what at each stage. 1. ### Hour 0: something is wrong You A fake bank call, a wire request, a locked laptop. You stop and open the Syba app. Syba The 24/7 cyber desk is staffed and ready. Carrier Your policy is in place, placed through a licensed broker. 2. ### You call the 24/7 cyber desk You Press Call in the Syba app, or phone the desk. Say what happened in your own words. Syba A person answers and one engineer takes ownership of the incident. Carrier Not involved yet. 3. ### Syba contains it You You keep the devices and messages exactly as they are. Syba The engineer freezes affected accounts, isolates affected devices and resets credentials. Carrier No claim yet. Stopping the damage comes first. 4. ### Syba builds the case file You You share screenshots and statements. Never your passwords. Syba Syba gathers the screenshots, statements and records into one case file. Carrier Still waiting. There is no claim to assess yet. 5. ### The claim is filed You You confirm the facts in the case file. Syba Syba hands the case file to your broker and the carrier, and stays with you. Licensed broker A licensed broker placed your policy. The claim goes to the carrier through that placement. Carrier The carrier assesses the claim under the terms of your policy. 6. ### Closed in writing You You get a written record of what happened and what was decided. Syba Syba closes its response and hardens whatever failed. Carrier The carrier pays covered losses, subject to the terms of your policy. Coverage is subject to the terms of your policy. ## The life of a claim. These are the same stages your dashboard shows. The timeline starts the moment you file, every entry stays, and nothing is staged in advance. Your household 1. You report it once. Tell your concierge what happened, in your own words. 2. A person takes ownership. Your concierge reviews the claim personally and stays with it to the end. 3. The evidence is gathered for you. Screenshots, statements and documents, collected by your concierge rather than by you. 4. It goes to the carrier. Where your cover responds, the claim is filed through licensed broker placement. 5. It closes in writing. The claim ends with a written record of what happened and what was decided. Your written record Coverage is subject to the terms of your policy. - Received ### You file it once. Three short steps from your dashboard: what kind of incident it is, when it happened, and the details in your own words. The moment you submit, your claim gets a number and your concierge is notified. The first entry on your timeline says exactly what happened and nothing more: Claim received. - In triage ### A person takes ownership. Your concierge reviews every claim personally. Not a queue, not a bot wall: the same 24/7 team that picks up your calls owns the claim from first report to resolution, so you never re-explain from the start. - In progress ### Evidence, documents, the carrier. Once the claim is picked up, your concierge collects the supporting documents, screenshots and statements, so you are never asked to assemble a dossier alone. Where coverage responds, we file the claim through licensed broker placement, against capacity from A-rated carriers, Tokio Marine HCC and Chubb. - Resolved ### Resolution, in writing. A claim ends with a record, not a silence. Your concierge stays on it until the incident is closed and you have a write-up. And if a claim is ever closed without action, the reason is posted to your timeline, in writing, where you can read it. ## What to have ready. The filing form asks for three things. Everything else can follow. - ### The kind of incident. Online fraud, identity theft, ransomware or extortion, a deepfake impersonation, or something else. Pick the closest match; your concierge sorts out the rest. - ### When it happened. A date is enough, even an approximate one. - ### What you noticed, in your own words. Which accounts or devices are involved, and anything you have already done. - ### Documents can wait. Screenshots and statements are added once your concierge picks the claim up. Never include passwords. ## While the claim is open. Your dashboard shows the whole thing, end to end. Every claim carries one of five statuses with a running timeline underneath it, and when your concierge posts an update it appears as a note from your concierge, never an anonymous system message. - Received - In triage - In progress - Resolved - Closed One person owns the claim, so you never start over. You do not chase. You read. ## Under attack right now? Claims are for afterwards. If money is moving or an account is being taken over, members go straight to the SOS report in the dashboard. Prefer a voice? Open the Syba app and press Call. The 24/7 team answers directly. [Open the SOS report](https://sybainsurance.com/dashboard/report) [Email the incident desk](mailto:customer.service@syba.io?subject=Urgent%20cyber%20incident) US insurance claims: EPIC Insurance Brokers, [+1 (407) 378 6203](tel:+14073786203) ## Know the answer before you need it. Read exactly what is covered, or see the plans and prices for your household. [See what is covered](https://sybainsurance.com/coverage) [Start a quote](https://sybainsurance.com/quote) Insurance coverage is provided by A-rated carriers, with capacity from Tokio Marine HCC - Cyber & Professional Lines Group and Chubb. Policies are placed through Syba’s licensed insurance brokers (EPIC Insurance Brokers & Consultants in the United States). Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.