Cyber Security Insurance.
A cyber incident doesn't announce itself. One phishing email, one exposed system, one ransomware lock - and your business is offline, your data is compromised, and you're facing costs you didn't plan for. The right cyber insurance policy means that when it happens, you're not facing it alone.
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About This Cover
Cyber security insurance - what it covers and why Australian businesses need it
Cyber security insurance helps protect your business from internet-based risks and anything that messes with your tech, systems or data. It covers a whole bunch of scenarios - from data breaches to cyber attacks - and helps soften the blow if your operations take a hit.
Once you've got a policy and something goes wrong - your system gets hacked or data gets leaked - you lodge a claim. We take a look, and if it's covered, we'll help cover costs like legal fees, lost income, and recovery efforts.
It's about keeping your business moving even when the unexpected happens. Less stress, more support.
What's Included
What's included - standard covers in a cyber security policy
Network Security & Privacy Liability
Covers unauthorised access to your systems, theft of data, and privacy breaches affecting customers or staff.
Business Interruption
Covers lost income and extra expenses when a cyber event forces your business to slow down or stop operating.
Media Liability
Protects against online defamation, copyright infringement, or plagiarism claims arising from your digital content.
Errors & Omissions
Covers claims against you if a tech failure or mistake in your systems causes financial harm to a client.
Cyber Extortion
Covers ransomware attacks - including negotiation costs and, where legally permissible, ransom payments.
Privacy Breach Support
Covers the cost of customer notifications, credit monitoring, and regulatory reporting after a data breach.
Legal Defence Costs
Covers your legal fees and court costs when defending claims arising from a cyber incident or data breach.
Regulatory Defence & Fines
Helps cover fines from regulators and the costs of defending investigations under privacy and data laws.
Electronic Media Liability
Covers claims relating to content published in digital or electronic form - blogs, social media, email campaigns.
Crisis Management
Covers the cost of PR and communications support to protect your brand reputation after a cyber event.
Who Needs This
Who needs cyber security insurance - industries most at risk
Finance & Banking
Handle large volumes of sensitive financial data - one of the most targeted sectors for cyber attacks globally.
Healthcare Providers
Medical records and patient data are among the most valuable to attackers, and breaches carry strict regulatory consequences.
Retail & eCommerce
Process customer payment data at scale - a breach can expose thousands of customers and trigger significant liability.
IT & Tech Providers
Exposed both as a direct target and as a responsible party if clients are affected by vulnerabilities in your systems or products.
Any Business with Digital Data
If you store, process, or transmit customer data of any kind - you are a target. Cyber cover is no longer optional for most businesses.
Why Co-Pilot
Why Co-Pilot for cyber insurance - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that protects your business - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including specialist cyber underwriters who understand your industry's specific data exposure, regulatory obligations, and risk profile.
Honest advice on what's actually covered in your cyber policy
Coverage gaps in cyber insurance are common and expensive. We read the fine print on exclusions, sub-limits, and waiting periods so you know exactly what you're covered for before a claim.
Clear communication, no surprises
We explain your policy in plain language, keep you informed at renewal, and are available when you need us - including when a cyber incident occurs.
Industrial Specialised Risk
In regard to property loss -
ISR cover typically includes:
For businesses with significant physical assets, Industrial Special Risks (ISR) policies provide broad protection. Here's what is typically covered under property loss provisions.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Cyber Security Insurance
Your business is a cyber target.
Let's make sure it's covered.
Co-Pilot searches across 90+ insurers to find the right cyber cover for your industry, data profile, and risk exposure. No generic policies, no coverage gaps.