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Cyber Liability

Data is everywhere. It’s all around us. We collect it. We analyse. We leverage it. It’s the currency of modern business. And it guides all our key decisions. Without it, everything grinds to a halt.

Cyber Liability Insurance can help you recognise and protect the value of your data so you can grow your organisation with confidence.

Regardless of how good your company IT systems are, there is no 100% guaranteed way to protect your data. What’s more, a data breach will not only affect your business, it can negatively impact your clients and customers.

Stolen credit card numbers, financial reports, medical records, birth dates and the loss of sensitive personal data can leave you liable and exposed, causing enormous damage to your bottom line and your reputation.

Recent changes to the Privacy Act now place even greater onus on Australian businesses to ensure the security of private data – with hefty penalties in place for privacy act breaches.

Traditional insurance policies do not cover cyber attacks. That’s why you need a dedicated Cyber Insurance Policy.  

A Cyber Liability Insurance policy sourced by Whitbread gives your company an additional layer of protection.

We empower you with comprehensive cover for all types of scenarios so you can continue to thrive in today’s data driven business environment.

Who needs cyber insurance? Unbranded from NIBATV on Vimeo.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions. 

Covered Features

  • Cyber Liability Data Security

    Data Security

    Expenses related to cyber extortion or terrorism such as theft of hardware, destruction of data stored on any computer system or theft of access codes from premises, computer system or by employees.

  • Cyber Liability Privacy Breach

    Privacy Breach

    Costs associated with a privacy breach including consumer notification and costs of providing credit monitoring services to affected customers.

  • Cyber Liability Reputational Repair

    Reputational Repair

    Reimbursement of costs incurred in relation to reputational damage, libel, slander, defamation and invasion of privacy.

  • Cyber Liability Network Interruption

    Network Interruption

    Cover for net income that would have been earned and continuing normal operating expenses incurred including payroll as a result of security failure.

  • Cyber Liability Fines and Penalties

    Fines and Penalties

    Costs incurred due to fines or penalties imposed by government or regulatory authorities for a breach of data protection laws.

  • Cyber Liability Defence Costs

    Defence Costs

    Costs for legal advice and representation in connection with formal investigations by authorities.

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