Cyber
CyberCare 2.0 is our rebuilt cyber product, designed specifically to meet the evolving threats faced by modern small to medium sized enterprises.
Cover at a glance
One policy, five pillars. A simple view of the main protection areas built into CyberCare 2.0.
Liability
- Privacy & security liability
- Media liability
- Regulatory proceedings, fines and penalties
Breach Response
- Breach notification
- Computer & legal experts
- Public relations
- Data restoration
- Cyber extortion
- Security improvements & rewards
Cyber Crime
- Computer fraud
- Funds transfer & social engineering fraud
- Invoice & vendor payment fraud
- Telecom fraud & cryptojacking
Business Loss
- Business interruption
- Reputation harm
- Dependent BI – IT provider
- Dependent BI – non-IT provider
Added Benefits
- 48-hour excess waiver
- Bodily injury
- Property damage
- Goodwill coupons
- Extended reporting periods
- Artificial intelligence clause
What’s new in CyberCare 2.0
We rebuilt our CyberCare product from the ground up. Here is what has changed for our policyholders.
1
Cyber crime cover that reinstates.
The crime covers now work on an any-one-claim basis, so a loss under one crime cover does not use up the limit for the next one.
2
Cover for artificial intelligence risk.
Cover is never excluded simply because a breach or fraudulent instruction was made or facilitated using AI or deepfake technology.
3
Cover for bodily injury from a cyber incident.
4
First-party property damage from a cyber incident.
Cover where a cyber event damages physical assets.
5
Broader post-breach support.
6
Cover when your suppliers go down
Wider dependent business interruption — separate cover for IT and non-IT providers, including outages caused by IT provider system failure, not just breaches.
7
Interim payments for business interruption.
Access to funds while the final loss is being calculated.
8
Reputation harm up to the policy limit.
Cover for loss of income due to reputational harm following an adverse media report.
9
Clearer fraud cover.
One cover, four built-in protections: social engineering fraud, fraudulent impersonation, invoice manipulation fraud and vendor payment fraud.
10
No excess for the first 48 hours.
Speed matters most in the first two days. No excess applies to forensic and legal expert costs.
Why choose CyberCare 2.0
Designed for small business
Tailored specifically for SME risk profiles and budgets.
Backed by Lloyd's Underwriters
Global security and financial strength supporting your policy.
Buy a policy in minutes
Streamlined digital quoting and binding process.
24/7 Incident Response
Immediate support when an incident occurs.
Claims
Sharper claims response
When a cyber incident strikes, speed is critical. Our dedicated incident response team, managed by Atmos Group, provides immediate triaging and expert guidance to contain the breach and minimise disruption.
Incident response led by
Incident response hotline availability
24/7/365
Call immediately
Email Atmos Group
Key Information
Everything brokers need to quote, explain and service CyberCare 2.0 in one place.
Claims Illustrator
Create a tailored, illustrated report to help clients explore plausible cyber incidents
and their potential financial impact.
Cyber Threat Reports
Create a tailored, printable view of the cyber-threat landscape for a client’s country, industry and business size.
Is my business eligible for cover?
CyberCare 2.0 is designed for standard SME profiles. Ensure you meet the base criteria below.
Annual turnover under AUD/NZD$500,000,000
Global consolidated revenue
Registered in Australian or New Zealand
Valid business registration
Excluded activities
We currently cannot offer cover via the standard portal if your business derives revenue from or is primarily engaged in the following activities:
- Abortion clinics
- Adult entertainment
- Adult services (escort services, prostitution)
- Crypto assets
- Gambling
- Games development
- Information technology hosting services
- Multiple ticketing platforms
- Payment Processor
- Nuclear or similar power utilities
- Online dating services
- Paramilitary organisations
- Real time trading systems
- Social media platform
- Software as a service (SaaS)
