Cyber Insurance

In a world where your business lives online, cyber insurance is no longer optional — it’s essential.

The Cyber Threat is Real — and Growing

Australia is one of the most targeted countries in the world for cybercrime. Every year, thousands of Australian businesses fall victim to ransomware attacks, data breaches, phishing scams, and business email compromise. The financial and reputational damage can be catastrophic.

Despite this, the majority of Australian businesses remain either uninsured or significantly underinsured against cyber risks. Standard property, liability, and professional indemnity policies were not designed with cyber threats in mind and typically exclude them entirely.

HC Insurance helps Australian businesses understand their cyber exposure and secure the right level of protection.

Cyber insurance protection

What Cyber Insurance Covers

🔥 First-Party Costs

  • Incident response & forensic investigation
  • Data recovery & system restoration
  • Ransomware payment assistance
  • Business interruption losses
  • Crisis communication & PR costs
  • Customer notification expenses

⚖️ Third-Party Liability

  • Privacy breach liability to third parties
  • Legal defence costs
  • Regulatory fines & penalties
  • Privacy Act & GDPR compliance costs
  • Credit monitoring for affected customers
  • Compensation to affected individuals

🛡️ Cyber Crime Cover

  • Business email compromise (BEC)
  • Social engineering fraud
  • Funds transfer fraud
  • Telephone hacking costs
  • Cyber extortion & threats
  • Invoice redirection fraud

Don’t Wait for a Breach to Act

Cyber attacks don’t just happen to large corporations. Small and medium businesses are increasingly the primary targets. Talk to HC Insurance today.