Cyber Security Insurance.
A cyber attack isn't an IT problem, it's a cost problem: legal fees, customer notification, downtime, ransom demands. The right policy picks up all four. We compare 90+ insurers to find it.
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About This Cover
Cyber security insurance - what it covers and why Australian businesses need it
Cyber security insurance covers the financial fallout when your systems or data are attacked - hacks, breaches, ransomware. The policy funds legal fees, recovery, notification costs and the income you lose while you're down.
The catch: cyber policies vary wildly on exclusions, waiting periods and sub-limits. Two policies at the same premium can pay out very differently. That's what we compare - not just the price.
What's Included
What's included - standard covers in a cyber security policy
Network Security & Privacy Liability
Unauthorised access, data theft and privacy breaches affecting customers or staff.
Business Interruption
Lost income and extra costs while a cyber event has you slowed or stopped.
Media Liability
Defamation, copyright or plagiarism claims arising from your digital content.
Errors & Omissions
A failure in your systems costs a client money - this covers the claim.
Cyber Extortion
Ransomware response - negotiation costs and, where legal, the ransom itself.
Privacy Breach Support
Customer notification, credit monitoring and regulatory reporting after a breach.
Legal Defence Costs
Legal fees and court costs when defending claims from a cyber incident.
Regulatory Defence & Fines
Fines and investigation defence costs under privacy and data laws.
Electronic Media Liability
Claims over published digital content - blogs, social media, email campaigns.
Crisis Management
PR and communications support to protect your reputation after an attack.
Who Needs This
Who needs cyber security insurance
Finance & Banking
Large volumes of sensitive financial data - one of the most targeted sectors anywhere.
Healthcare Providers
Patient records are gold to attackers, and breaches carry strict regulatory consequences.
Retail & eCommerce
Payment data at scale - one breach can expose thousands of customers.
IT & Tech Providers
A target twice over: attacked directly, and liable if your product exposes clients.
Any Business with Digital Data
If you store, process or transmit customer data, you're a target. Full stop.
Why Co-Pilot
Why Co-Pilot for cyber insurance
We work for you, not the insurer
We're independent. We find the cover that protects your business, not the policy that pays the best commission.
90+ insurers, including cyber specialists
Underwriters who know your industry's data exposure and regulatory obligations - not a generic SME policy.
We read the sub-limits before you sign
Cyber policies hide their gaps in exclusions, sub-limits and waiting periods. We show you exactly what pays and what doesn't.
We're there when the incident happens
At claim time we argue your case with the insurer while you get back online.
Hear What Our Clients Are Saying
“Hi Joanne, I just wanted to say a massive thank you for all your help with the finance application! Your guidance made a complicated process so much easier to handle, and I really appreciate how thorough and quick you were with everything. Thanks for going above and beyond to help me get this over the line! Highly recommend !”
Richard
FAQ
Common Questions About Cyber Security Insurance
Your business is a cyber target. Let's make sure it's covered.
Tell us what data you hold. We'll quote cyber cover across 90+ insurers in 24-48 hours, matched to your industry and exposure.
No impact to your credit score