---
title: "Syba: personal cyber insurance and 24/7 cyber protection"
description: "Personal cybersecurity and cryptocurrency insurance and a 24/7 concierge for high net worth individuals and families, with up to $5M in coverage."
canonical: https://sybainsurance.com/
---

For families, principals and family offices

# Private cybersecurity for private wealth.

Up to $5M of cyber cover and a 24/7 team that takes the call, for your whole household. Plans from $49 a month, every price on the page.[*](https://sybainsurance.com/#placement-disclaimer)

[See plans and prices](https://sybainsurance.com/pricing) [Speak with Brigitte](https://calendly.com/sybabrigitte/30min)

Capacity from Chubb and Tokio Marine HCC. Placed by licensed brokers. Cancel any time.

## Pick the cover that fits your household

Every plan includes the 24/7 cyber desk, continuous monitoring and the free Cyber Basics course. Family cyber training starts at Diamond.

If a hacker steals money from your accounts, your plan pays back the covered loss, up to the cover on its row.

- [$250K in cover PERSONAL Silver $49*/mo*](https://sybainsurance.com/go/checkout?plan=silver&region=us&src=hero-rail)
- [$500K in cover PERSONAL+ Gold $75*/mo*](https://sybainsurance.com/go/checkout?plan=gold&region=us&src=hero-rail)
- [$2M in cover HNW FAMILY Platinum Recommended $330*/mo*](https://sybainsurance.com/go/checkout?plan=platinum&region=us&src=hero-rail)
- [$5M in cover FAMILY OFFICE Diamond $1,125*/mo*](https://sybainsurance.com/go/checkout?plan=diamond&region=us&src=hero-rail)
- [$5M in cover FULL ESTATE Diamond + $2,250*/mo*](https://sybainsurance.com/go/checkout?plan=diamond-plus&region=us&src=hero-rail)

## How Syba works

Eight steps, from the day you subscribe to the day a claim is settled. At every step you know who does what: you call, Syba runs the response, and the carrier pays covered claims under the policy terms.

1. ### Step 1: Buy your subscription

  Choose a plan and pay on Stripe, monthly or yearly. You can cancel any time.
2. ### Step 2: Get your welcome email

  It arrives at the address you paid with, so you know the plan is in your name.
3. ### Step 3: Create your login and password

  Use the same email address. Your plan attaches to your account on its own.
4. ### Step 4: Download the Syba app

  Sign in on your phone with the same email address.

  iPhone app on the App Store. Android coming.
5. ### Step 5: Everything you need lives in the app

  From day one, the app holds:

  - Your claims number
  - Data protection
  - Data deletion
6. ### Step 6: Something happens

  A transfer you never made, an account someone else took over, a message demanding money.
7. ### Step 7: Call Syba from the app

  Tap Call. A person on the Syba team runs the response with you and helps you file the claim.
8. ### Step 8: The carrier pays covered claims

  Under the terms of your policy. A licensed broker places the policy, and Syba stays with you until the case is closed.

[See the app on the App Store](https://apps.apple.com/app/id1609996286) [Add the Chrome extension](https://sybainsurance.com/extension) [How a claim works](https://sybainsurance.com/how-claims-work)

## Who stands behind the cover

- Chubb and Tokio Marine HCC

  A-rated carriers. They provide the insurance capacity behind the financial cover.
- Jencap Group

  A specialty wholesale distributor in the US. The policy is placed through Jencap and our licensed brokers.
- PwC Belgium

  Chose Syba for its Defence and Resilience scale-up track.

## One tap. Then it travels.

A cloned voice, a text that knows your bank, one approved payment. An incident never stays on one screen. It moves through the accounts, devices, and people connected to it.

## The first minutes are the whole story.

22:41incoming message

### A text that knows your bank.

It names the account, mimics the tone, and asks for one small confirmation. This is how most household incidents start.

22:44incoming call

### The voice on the line is your daughter’s.

Cloned from thirty seconds of public audio. She needs the transfer approved tonight, and she sounds exactly right.

22:47payment initiated

### A wire starts moving.

Sent from your own device, authorised with your own credentials. From here, every minute is the whole game.

syba response desk

### A human picks up.

The response desk is staffed around the clock, from the US and the EU. One engineer owns the incident from this second.

23:15contained

### Stopped, documented, covered.

The wire is frozen, the devices are isolated, and the case file is already building. The family goes back to bed.

## 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.

## This is where a family is alone.

Banks run fraud desks. Companies keep security teams. At home it is you, a phone, and whoever picks up. Syba's response desk is staffed around the clock, from the US and the EU.

## One shield around everything.

Syba is cyber insurance with the protection built in. The app and the always-on agents watch the household, the 24/7 Cyber Concierge connects you with a cyber engineer the moment something looks wrong, and the cover placed behind your plan carries the financial loss. One program, one accountable team.

Your household Devices, accounts, people

1. Syba app for iOS

  Checks your connection, router, breached emails and usernames.
2. Always on 24/7 Cyber Concierge

  Your SYBA Cyber Concierge connects you with a cyber engineer 24/7.
3. Cyber insurance

  Up to $5M in cover from A-rated carriers, placed through licensed brokers.
4. Incident response

  One engineer owns the incident until closeout, recovery included.
5. Monthly training

  5-minute behavioural training for the whole household.
6. Always-on agents

  Mac app and Chrome extension guard the desktop and the browser.

Syba protection program

## Start with any part of it.

Each part works on its own, and you can try two of them free.

- [Free for a day](https://sybainsurance.com/extension)

  ### Syba Shield, the browser agent

  The agent that watches the tab you are on and flags the scam before you click. On-device phishing and brand-impersonation detection, with a plain A to F grade for the site in front of you.

  Add to Chrome
- [Free](https://sybainsurance.com/scan)

  ### The free risk scan

  See what an attacker already knows about you. Check the email addresses and identities tied to the household against known breaches, and get the exposure written down.

  Run the scan
- [iOS](https://apps.apple.com/app/id1609996286)

  ### The Syba app

  Test your home connection and router, look up household email addresses in known breaches, and see where a username is used on social sites.

  Download the app
- [Desktop](https://sybainsurance.com/desktop)

  ### The desktop agent

  The same protection off the browser and onto the machine, watching the software and the connections the household actually runs on.

  Get the desktop agent
- [People](https://sybainsurance.com/about)

  ### 24/7 cyber concierge

  Real US engineers answer, contain the threat, and own the response until the case is closed.

  Meet the team
- [Insurance](https://sybainsurance.com/pricing)

  ### Up to $5M in cover

  Financial protection through A-rated carrier capacity, with insurance placed through the appropriate licensed broker path.

  Review pricing
- [8 modules](https://sybainsurance.com/training)

  ### Household training

  Short, practical guidance for deepfake calls, wire-fraud lures, account security, and the devices shared across the family.

  See the curriculum
- [Per seat](https://sybainsurance.com/enterprise)

  ### Company-wide seats

  Put the same agent in front of every employee, with org block and allow lists, managed install, and a seat ledger you can revoke from.

  Price it per seat

## What the SYBA browser agent checks on each page

These are five of the checks the agent runs in Chrome. Pick a made-up page and watch the agent work through the list.

A demonstration. Both websites are made up, on the reserved .example domain, and nothing here checks your own browser.

Address bar of the demonstration page: https:// paypa1-secure.example /login

1. Lookalike domain

  Flagged, High severity

  Compares the address with the brands the agent tracks, including swapped letters, digits that stand in for letters and characters from other alphabets.

  The address imitates a brand the agent tracks, here with the digit 1 in place of the letter l.
2. Password over HTTP

  Passed

  Looks for a password field on a page that is not encrypted with HTTPS.

  The page is encrypted, or it asks for no password.
3. Form posting to another site

  Passed

  Reads where each form sends what you type, and flags a form that sends to a different site than the page.

  No form sends to a different site.
4. Proxy login

  Flagged, Medium severity

  On a sign-in page that imitates a brand, checks whether every resource loads from that one host, as a relay between you and the real site would. It stays quiet on pages that do not imitate a brand.

  The sign-in page imitates a brand and serves everything from one host, which is how a credential relay behaves.
5. ClickFix clipboard trap

  Passed

  Notices when a page puts a command on your clipboard and also tells you to run it. Either one alone is not flagged, and the agent never reads your clipboard.

  No command was copied together with instructions to run it.

2 warnings

Two checks flagged this page. The address imitates a brand, and the sign-in page behaves like a relay. The agent would flag it.

The agent reads more signals than these five, and no check catches every attack.

### Check a website yourself

Site Check reads a website's public security setup (HTTPS, headers, cookies, mixed content and email records), the same layer as the password over HTTP check; it does not score phishing.

Brokers run this same check on a prospect's website to open the conversation. [How brokers use Site Check](https://sybainsurance.com/brokers#site-check)

Why the household is the target

57%

of North American family offices were hit by a cyberattack in the last 12-24 months

93%

of the offices that were attacked reported phishing, the most common way in

62%

attack rate among family offices with more than one billion US dollars in assets

25%

were attacked three or more times in the same period

31%

still have no cyber incident response plan in place

Source: Deloitte Private, The Family Office Cybersecurity Report 2024 (The Family Office Insights Series, Global Edition).

## Who we serve

## What cyber insurance is, what it covers, what it does not

The short version, in plain English. The issued policy always has the final word.

### What it is

Cyber insurance pays covered financial losses from online crime, under a policy that a carrier issues. Every payment is subject to the terms of that policy.

Syba adds the 24/7 cyber desk. When something goes wrong, the desk runs the response, so you do not work it out alone.

Carriers pay covered claims. Syba runs the response. A licensed broker places the policy.

### What it covers

Each coverage line has its own page, with a covered example and one that is not.

- [Identity theft and recovery](https://sybainsurance.com/coverage/identity-theft-recovery)
- [Cyber ransomware and extortion](https://sybainsurance.com/coverage/cyber-extortion-ransom)
- [Online fraud and cyber crime](https://sybainsurance.com/coverage/online-fraud)
- [Cyber bullying and counseling](https://sybainsurance.com/coverage/cyberbullying)
- [Cyber breach events and data recovery](https://sybainsurance.com/coverage/device-data-recovery)
- [Cyber security and privacy liability](https://sybainsurance.com/coverage/legal-concierge-response)
- [Online reputation and data broker deletion](https://sybainsurance.com/coverage/reputation)

### What it does not cover

Every policy has limits. These are the common ones, and each coverage line shows its own example.

- Losses you authorized yourself

  A payment or purchase you approved yourself is generally not a covered loss.
- Anything the policy excludes

  The issued policy lists its exclusions. Read them before you buy.
- Anything before your cover starts

  A loss that began before your cover started is not covered.

[Every coverage line, covered and not covered](https://sybainsurance.com/coverage)

### Six terms worth knowing

**Premium**

The amount you pay for the cover, monthly or yearly.

**Limit**

The most a policy will pay for covered losses, set per plan and subject to the policy terms.

**Sublimit**

A lower cap inside the overall limit for one kind of loss, such as cryptocurrency.

**Carrier**

The insurance company that issues the policy and carries the risk.

**Broker**

The licensed intermediary that places a policy with a carrier.

**Claim**

Your request that the carrier respond to a covered loss.

[Read the full glossary](https://sybainsurance.com/guides/cyber-insurance-glossary)

## Where do you start?

Pick the door that matches who you are protecting.

For you

### Individuals, families and seniors

Monthly plans with a 24/7 cyber team and cover from A-rated carriers.

- #### Silver

  Up to $250K of cover $49 per month

  [Get Silver](https://sybainsurance.com/go/checkout?plan=silver&region=us&src=home-doors-you)
- #### Gold

  Up to $500K of cover $75 per month

  [Get Gold](https://sybainsurance.com/go/checkout?plan=gold&region=us&src=home-doors-you)
- #### Platinum

  Recommended

  Up to $2M of cover $330 per month

  [Get Platinum](https://sybainsurance.com/go/checkout?plan=platinum&region=us&src=home-doors-you)
- #### Diamond

  Up to $5M of cover $1,125 per month

  [Get Diamond](https://sybainsurance.com/go/checkout?plan=diamond&region=us&src=home-doors-you)
- #### Diamond +

  Up to $5M of cover $2,250 per month

  [Get Diamond +](https://sybainsurance.com/go/checkout?plan=diamond-plus&region=us&src=home-doors-you)

After you pay: the desk, app and monitoring are part of your plan from the first payment, your broker places the policy, and cover runs from the date in your policy documents.

[See everything for you](https://sybainsurance.com/for-you)

For companies

### Corporate, enterprise and directors

Protection for staff, board members and AI agents, set up with our team.

- #### Executives and staff

  Protection beyond the company firewall, at home and on personal devices.

  [Book a call](https://calendly.com/sybabrigitte/30min) [See details](https://sybainsurance.com/corporate)
- #### Directors

  Personal cyber liability cover for a board director, built around NIS2.

  [See details](https://sybainsurance.com/director-shield)
- #### AI agents

  Cyber insurance built for autonomous software that acts for your company.

  [Book a call](https://calendly.com/sybabrigitte/30min) [See details](https://sybainsurance.com/agentshield-pro)
- #### The whole company

  Phishing protection for every employee, billed per seat.

  [Book a call](https://calendly.com/sybabrigitte/30min) [See details](https://sybainsurance.com/enterprise)

[See everything for companies](https://sybainsurance.com/for-companies)

## Find your plan

Up to three questions, one recommendation and one button.

Question 1 of 3

### Who is the plan for?

Prefer to skip the questions? Go straight to a plan.

- [Silver, $49 per month](https://sybainsurance.com/go/checkout?plan=silver&region=us&src=home-finder)
- [Gold, $75 per month](https://sybainsurance.com/go/checkout?plan=gold&region=us&src=home-finder)
- [Platinum, $330 per month](https://sybainsurance.com/go/checkout?plan=platinum&region=us&src=home-finder)
- [Diamond, $1,125 per month](https://sybainsurance.com/go/checkout?plan=diamond&region=us&src=home-finder)
- [Diamond +, $2,250 per month](https://sybainsurance.com/go/checkout?plan=diamond-plus&region=us&src=home-finder)

Personal Guard · United States

## One subscription. Five depths of cover.

Start with individual protection, then scale to full-household response as more people, property, and digital exposure come into view.

coverage $2M

indicative premium $330 /mo Platinum

Numbers stay indicative until our licensed brokers place the cover. [Continue with Platinum](https://sybainsurance.com/quote?plan=platinum&intent=buy)

### What happens after you pay

1. The 24/7 cyber desk, the app and monitoring are part of your plan from your first payment.
2. Your licensed broker places the policy and sends you the documents.
3. Your cover runs from the date in your policy documents, subject to their terms.

[Prefer to talk first? Speak with Brigitte.](https://calendly.com/sybabrigitte/30min)

Before you buy, read what is not covered. Every line on our coverage page shows one example that is covered and one that is not, and the issued policy has the final word. [Read what is not covered](https://sybainsurance.com/coverage)

## From choosing a plan to help one tap away.

Six steps, in order. Each one takes you closer to protection on your phone and your computer.

1. ### Choose a plan

  One for you, your family or your business.
2. ### Pay securely with Stripe

  Check out on Stripe, monthly or yearly.
3. ### Get your welcome email

  A welcome email lets you set your password.
4. ### Get the iPhone app

  Download the Syba app and sign in with the same email.
5. ### Reach the help desk in one tap

  Open the app and tap Call when something looks wrong.

  Prefer the phone? Call [+1 (407) 378 6203](tel:+14073786203)
6. ### Add the desktop agent and the browser extension

  Protection on your Mac and in your browser.

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). Syba is not licensed as an insurance agency or third-party administrator in any jurisdiction and does not engage in the solicitation of insurance. Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.

## What people want to know before they call.

Silver starts at $49 per month with up to $250K in cover. Gold is $75 (up to $500K), Platinum (the tier we recommend) is $330 with up to $2M, and Diamond is $1,125 with up to $5M and a personal cyber engineer. Family offices can go Diamond + at $2,250 per month for the full-estate program. Every tier can be cancelled any time, and you see your price online before you pay.

[See all 24 questions](https://sybainsurance.com/faq)

## Start online, or talk through the estate first.

[Buy now](https://sybainsurance.com/signup?path=consumer) [30 minutes with Brigitte](https://calendly.com/sybabrigitte/30min) [Prefer email? Contact us.](https://sybainsurance.com/contact)