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read moreIt may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... The SME sector is bearing the brunt of cyber-attacks because of the lack of strong security systems and ... way to minimise the chance of a cyber-attack occurring, Cyber Liability insurance will help to reduce subsequent ...
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read more... what kinds of business insurance coverage you may need to help ... ... it's important to think about what kinds of business insurance coverage you may need to help ensure it is protected. As ... you may want to consider Cyber Liability insurance. A Cyber Liability insurance policy is designed* ...
read more... . There are many kinds of coverages on the market and it ... bit overwhelming when deciding which coverages to select. There isn't ... ... of coverages on the market and it can feel a bit overwhelming when deciding which coverages to ... cyber-criminals, you may want to add in Cyber Liability insurance as an extra layer of security. Cyber Liability ...
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read moreWhen it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... compensate the suing party, it also offers coverage for public relations expenses to help prevent ... be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and legal ...
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read more... have become a target for cyber criminals, but there are simple ... managing director Michael Gottlieb explains. Cyber crime is one of the ... ... to look like, but authorities say organised-crime cyber gangs are getting harder to identify and more ... mechanic in Alice Springs were two recent victims of cyber crime. Given the majority of organisations don't even ...
read moreIn Part 2 of our cyber risk series, we take a ... . We also explain what Cyber Liability insurance is and why you ... security plan. Tips to stay cyber – attack. We also explain what Cyber Liability insurance is and why you should ... do, who to contact and how to recover from a cyber – attack if it were to occur. Some of the ...
read moreThis week is Stay Smart Online Week; a government initiative that aims to reverse the threat of cybercrime. Small businesses are some of the biggest growing targets ... for more information: o https://www.cyber.gov.au/sites/default/files/2019-03/msp_questionnaire.pdf o https://www.cyber.gov.au/publications/questions-to-ask-managed-service-providers · Understand and manage your ...
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read moreThe career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... of action due to an insurable event. Cyber Liability There's a reason why you're in ... – don't become a statistic. [i] Cyber Liability insurance provides essential financial protection if your system is ...
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read moreIf your insurance is due for renewal or you are just wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ... misconduct or legislative breaches. Cyber Insurance Protection against the ... might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature ...
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read moreWorking as a graphic designer is an exciting and creative job but like other professions, it has its own risks. Some you probably wouldn't expect. Clients invest in ... why Professional Indemnity insurance is an important coverage to consider. Professional Indemnity (PI) ... , Public Liability insurance can protect you anywhere within Australia. It provides coverage for you ...
read moreA large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... coverage if you think that you may need it in the future or at any time during your Professional Indemnity Insurance policy's term. As an example, at some point you may want to add business insurance or public liability ...
read moreWelcome back to part 2 of our guide on what you need to know when starting a side hustle. In part 1 we explored some of the steps involved with setting up your side ... Public Liability insurance to protect their risk of a liability claim. Public Liability insurance* is ... insurable event. E xample s of some of the coverage options include Building, Contents, Goods in Transit and ...
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read moreGetting the insurance sorted for your small business can be pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there ... lower premium. To put this in perspective, a public liability policy for an SME working from home generally costs ... the move It's wise to review and update your coverage every year. No doubt your business is on the ...
read moreThe acquisition of BizCover, an Australian-owned online professional insurance broker marks another key milestone for Investec. FOR IMMEDIATE RELEASE PRLog (Press Release ... more products, including Business Insurance and Public Liability insurance . It has become the one-stop ... offer customers the most competitive and comprehensive insurance coverage available, in the shortest amount of time ...
read moreWhilst the market at large has been talking about hardening rates over the last few months, the latest BizCover Small Business Insurance Index is showing little change ... levels of profitability have resulted in stable prices and coverage. The result is in line with BizCover CEO ... highly profitable small business sector.” Public Liability and Professional Indemnity prices have seen no ...
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read moreBusiness insurance isn't always straightforward, and sometimes you need to get down into the nitty-gritty to understand what insurance is being offered and which one ... ' or covered storage. That is, some insurers exclude coverage for theft of equipment if it is stolen whilst in ... The Verdict Portable Equipment and Electronic Equipment coverage have some similarities, but when you drill ...
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read moreBreathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to ... of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a ... 's been left on your studio floor, Public Liability insurance can cover the related costs to defend such ...
read moreFrom fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ... has been damaged or broken. Product Liability Product Liability is designed to protect you against claims ...
read moreIn the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... Make sure you check that the venue has Public Liability cover in place to cover your employees and invited ... is required to the owner and if your Public Liability policy includes this. Batten down the hatches One of ...
read moreFlipping burgers, filleting fish, grinding coffee beans the fast-paced world of the food industry leaves no spare time to be left worrying about whether you have the ... your business, you can find protection for your legal liabilities, assets and revenue if the tables were to ... to a whole variety of risks and the potential for a liability claim to be made. And it's not just the ...
read moreNavigating the world of business insurance can be confusing which is why we've made it our mission to make it a bit easier. We've created a guide to business insurance ... include: Intentional damage Contractual liabilities Your p rofessional fees ... Indemnity insurance policies may even include coverage for PR related expenses, something that ...
read moreA common misconception is that the claims professional indemnity insurance covers are only the experiences of the business that does inadequate work for clients. This ... records, should be cautious. Increasing the amount of coverage if is appropriate, may be necessary from time to ... of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds ...
read moreIf you are a professional and have your own company, then it is advisable that you have professional insurance, which can also be referred to as professional indemnity ... have professional indemnity insurance that provides coverage against lawsuits filed because of misrepresentation, ... should have adequate professional indemnity insurance coverage against financial losses caused by lawsuits ...
read moreThe world of plastering is varied, one day you're crafting decorative ceiling features, the next hanging drywall in an office complex. You've worked hard to get your ... from happening. Don't be a liability Like most trades, Public Liability insurance is one of the important types ... will require you to have your own Public Liability insurance before you even step foot on site. ...
read moreMaking an insurance claim can be stressful but it doesn't need to be. In the aftermath of a disastrous event, we understand how important it is to get your business ... up to date, especially your contact details and business address. If you have coverage for contents it is a good time to make sure you have enough coverage and that you have included new and valuable items on your policy ...
read moreAs an interior designer, you are an expert when it comes to making a house a home using an eye for detail and a creative flair. Like any profession, it isn't one without ... or you are meeting them on – site, Public Liability insurance is one of the main types of cover ... suppliers the community and their property. Public Liability Insurance is designed to provide protection for ...
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Hackers. These are not just dodgy movie characters but real life people, doing real damage to businesses across the globe, including Australia. If you’re thinking your small business down under is of no interest to these criminals, think again. Every business with an online presence is at risk of a cyber attack and with cyber crime claiming 6 million victims in 2018it might be time to bite the bullet and get the right cover for your business.i
Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event.
In a nutshell, your customer data is sacred. If you don’t protect it properly, your business may be fed to the wolves.
If you’re still not convinced your business may be at risk, here are the cold hard facts about doing business in today’s technically advanced world:
Independent feedback from our customers rated our service at excellent.
With the policies available through BizCover you can choose coverage amounts between $50,000 to $2 million
Sit back for a minute and think about this….it might be the first time you have considered the impact on your business if your website was taken offline? Could your business survive the reputation damage, and the losses associated with a data breach?
You should consider what your business requires including by reference to:
Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can reduce your risks and help you rest easy knowing your business is covered from even the craftiest of criminals.
Here are is an example:
The cost of lost data
An insured accountant had an employee who accidentally misplaced a company laptop that contained a list of 1000 client tax records and credit card details. A policy payment totalling $250,000 was made to cover the costs involved with notifying the affected individuals and the Privacy Commisioner of the data breach. The cost of hiring a Public Relations firm to assist the insured with re-building their business reputation was also included.iii
With more and more cyber criminals targeting SMEs, how can small businesses protect themselves?
1300 920 863