What does CyberCare cyber insurance cover?

CyberCare covers business interruption, cyber liability, breach and recovery costs, ransom payments, data restoration, and invoice fraud — all in a single limit with no sub-limits.

How much does cyber insurance cost for a small business?

CyberCare starts from $7 a day for $2 million of cover. Your exact premium is based on your annual revenue and industry — you'll get a firm price in under 60 seconds online.

Do I need cyber insurance if I already have general business insurance?

Yes. General business insurance doesn't cover cyber incidents. Ransomware, data breaches, and social engineering attacks are explicitly excluded from most general liability and property policies.

What is a retroactive date and why does it matter?

Most cyber policies only cover incidents that start after your policy begins. CyberCare includes retroactive cover — if you have an undiscovered breach that started before your policy began, you're still covered, as long as you weren't aware of it at inception.

How quickly can I get covered?

In minutes. Enter your revenue, review your coverage, pay online — your policy documents are issued immediately. No broker required, no paperwork.

What happens if I get a ransomware demand?

Call your claims team immediately — do not pay anything first. Your policy covers ransom payments plus all negotiation costs and a dedicated breach response lawyer.

Cyber insurance for Australian business

A data breach
could cost you
everything.

A ransomware attack on a business your size could cost over $1,000,000. Cyber insurance from $7 a day — get covered in minutes, no paperwork.

Get a quote in 60 seconds → See what's covered

Estimated risk exposure — your business

$1,027,500

Potential ransomware loss based on $1.1M revenue — CFC threat data, 2026. Your exposure updates as you enter your revenue below.

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Ransom demand (20%) $205,500

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Business resumption $174,675

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Legal & regulatory $154,125

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Third-party liability $82,200

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Lloyd's of London underwritten

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AFSL 491165 — licensed in Australia

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Quote & bind in minutes

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Experienced claims team

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Unlimited retroactive date

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Dedicated breach response lawyer

Risk calculator

What could a cyberattack cost your business?

Enter your annual revenue to see a personalised exposure estimate based on real claims data from 4,000+ incidents.

Annual revenue

$1,125,000

Ransomware exposure

$1,027,500

Potential total loss estimate

CyberCare premium (est.)

$2,640

Per year — from $7.23 per day

Coverage you receive

$2,000,000

Across all insuring clauses

Coverage

$2,000,000 across six insuring clauses

All six sections in a single limit — no sub-limit confusion, no surprises when you claim. Every coverage applies from day one.

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Electronic business interruption

$2,000,000

Lost revenue and extra costs while your systems are down. 8-hour waiting period. Covers ransomware, hacking, system failure — everything that stops you trading.

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Cyber liability

$2,000,000

Third-party claims against you for data breaches, network security failures, and unauthorised access. Defence costs included.

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Privacy regulatory defence

$2,000,000

OAIC investigations, regulatory fines and penalties under the Privacy Act 1988. Especially critical for businesses handling sensitive personal or health information.

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Breach & recovery costs

$2,000,000

Forensic investigation, notification letters to affected individuals, PR crisis management, credit monitoring. Everything you need to respond.

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Cyber extortion

$2,000,000

Ransom payments plus all negotiation costs. Covers ransomware, data theft threats and denial-of-service demands.

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Cyber deception

$100,000

Invoice fraud and social engineering — if a scammer tricks your team into paying a fraudulent invoice or changing bank details, you're covered. Requires bank callback procedure in place.

How it works

From quote to covered in minutes

Enter your details

Business name, industry, annual revenue, and your website. Eight fields. Under 60 seconds.

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Get your price instantly

A real premium based on your risk — not a generic quote. Adjust your limit to see options.

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Review & bind online

Read your coverage summary, confirm your details, and pay. Certificate of currency issued immediately.

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You're covered from day one

Download your policy documents. If something happens, our experienced claims team is here to help.

Why CyberCare

Built for Australian small business

CyberCare isn't a corporate product squeezed down to fit. It was designed from scratch for businesses like yours.

Price

$7.23 a day for $2M of cover

Less than your morning coffee. Full $2,000,000 aggregate limit from our entry-level plan. No sub-limits, no fine print exclusions that leave you exposed when it matters most.

Coverage

Unlimited retroactive date

If you have an undiscovered breach that started before your policy began, you're still covered — as long as you weren't aware of it at inception. This is genuinely rare. Most policies cover from day one only.

Claims

Mills Oakley on your policy

Australia's leading cyber breach response lawyers are pre-appointed on your policy. If the OAIC comes knocking or you need to notify patients of a breach, you have legal support from the moment you call.

Unique

Quote & bind without a broker

CyberCare is the only $2M cyber policy in Australia that can be quoted and bound entirely online without underwriter review. No phone calls, no proposal forms. Just a price and a bind button.

Security

Lloyd's Syndicate 5000 — Travelers

Underwritten by Travelers Syndicate 5000 at Lloyd's — the world's largest cyber insurer by premium. A+ rated security with 25+ years of cyber claims experience. Your claim will be paid.

Response

24/7 incident response

A pre-approved panel of IT forensics, legal and public relations specialists responds to your incident. First responder is an IT security specialist. Our experienced claims team is available to help you through the process.

Eligibility

Is your business eligible?

✓ Australian ABN or ACN — you must be registered to do business in Australia.
✓ Annual revenue under $20 million — CyberCare is designed for SMEs. Revenue over $10M may require underwriter review.
✓ Anti-malware software installed — must be active on all endpoint devices and updated at least daily.
✓ MFA for remote access — multi-factor authentication required for all users with remote access (VPN, Office 365, etc.).
✓ Regular data backups — at least monthly, stored separately from your network, with recovery tested.
✕ Not an excluded business type — crypto assets, gambling, SaaS platforms, real-time trading systems, and a few others are excluded.
✕ No claims in the last 5 years — prior cyber claims trigger referral to an underwriter and may affect pricing.