Cyber and Privacy Liability
Commercial Insurance
Cyber Insurance
AUD 300 /year
AUD 5M
AUD 500
All States
Yes
- Business Interruption
- Cyber
- Defamation
- Media Liability
- Statutory Liability
- cafes and restaurants
- farms, agriculture, forestry and fishing
- trades - air conditioning installation, solar panel installation, electricians, shop fitters, cabinet makers, mechanics
- retail businesses, such as florists, dress shops, shoemakers, drycleaners, bakeries
- professional services, such as accountants, architects and engineers
- medical establishments and allied health professionals, such as psychologists, dentists
- beauty therapists, such as hairdressers, nail and beauty salons
- real estate businesses
- administrative and support services, such as bookkeepers, secretarial services or graphic designers
- cleaning and maintenance businesses
- NDIS, disability and aged care support workers
Product Overview
ProRisk’s cyber and privacy cover is built for smaller Australian businesses that rely on connected systems and customer data every day. It helps manage the financial shock when a cyber incident stops trading or exposes sensitive information.
Cover under this policy can respond to business interruption, cyber extortion, cyber crime, and data and application restoration costs. It also includes data breach, media and defamation exposures, plus privacy and statutory liability for a wide mix of industries.
About Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd
The policy offers limits up to $5 million with a standard excess starting from $500. It is available across all states, with appetite focused on typical small to medium enterprise (SME) sectors such as retail, trades, healthcare, and services.
Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd is supported by a breach response team of incident managers, forensic investigators and loss adjusters. That support aims to help small businesses handle incidents quickly, from first notification through to recovery.
Brokers can place suitable SME clients using ProRisk’s online quote and bind tools and then fine‑tune limits and deductibles. Those needing more detail can review the product documents or use the ‘Contact Underwriter for Quote’ section to explore specific risks.
Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd FAQs
What incidents can this cyber cover respond to?
This policy can respond to many cyber events that interrupt trading or expose data. It can cover business interruption, cyber crime, cyber extortion, and the costs of restoring damaged data or applications after an incident. Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd also addresses data breach, media and defamation exposures, and certain privacy or statutory liabilities that follow a covered event.
What types of businesses is Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd designed for?
The product targets small to medium organisations with up to $25 million turnover and 500 staff. It suits sectors such as retail, trades, hospitality, agriculture, healthcare, medical and allied health, cleaning, administrative services, beauty services, and disability or aged care support.
How does this policy support a small business during a cyber breach?
Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd gives access to a breach response team made up of cyber incident managers, forensic investigators and loss adjusters. They help coordinate technical investigation, system recovery and loss assessment, which can ease pressure on owners while they focus on keeping the business running.
What limits and excess options are available under this product?
Limits are available up to $5 million, with a standard excess starting from $500 that may be adjusted to suit the risk. This flexibility helps brokers place cyber cover alongside wider commercial insurance programs, with sums insured and deductibles that match each client’s budget and exposure.
How can brokers quote and bind Cyber and Privacy Liability by ProRisk Underwriting Pty Ltd for their clients?
Brokers can use ProRisk’s ProBind online platform to quote, select limits and excesses, and bind cover for suitable SME clients. Where a risk needs extra discussion, brokers can also use the Contact Underwriter for Quote function and review the linked product documents on the page.
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