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340<div id="module-seo-sem-intro" data-testid="module-seo-sem-intro" class="sc-bb0a8d5a-0 duItVP"><div class="sc-bb0a8d5a-3 ehFmLh"><div class="sc-bb0a8d5a-1 fxSpYk"><div class="sc-bb0a8d5a-2 iLMqNW"><img alt="Cyber attacks" loading="lazy" width="626" height="462" decoding="async" data-nimg="1" class="sc-bb0a8d5a-4 ckGbAw" style="color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 626 462'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='/'/%3E%3C/svg%3E")" src="https://images.ctfassets.net/8edxnwlq2x0m/2gaAWakXhJO2zTFvxib9S/2943d9687efa1a263234cd831712a0b5/How_to_protect_your_NGO_or_non-profit_from_cyber_attacks"/></div></div><div class="sc-bb0a8d5a-5 kfrQWa"><h1 class="sc-dacff616-0 sc-bb0a8d5a-6 jdZWiH bddjCC">Cyber Insurance</h1><div class="sc-bb0a8d5a-7 aFrTR"><p>Get a quote today.</p></div><button class="sc-380f169e-0 hjftLn sc-bb0a8d5a-8 eFfDIW" data-testid="element-cta" id="E7tbOiV5MJXqABXOqHiSS">Get a Quote</button><div class="sc-bb0a8d5a-9 hzhByJ"><p>Or Call <span class="sc-f2696058-0 qfjBH"><a href="tel:1800841763" node="[object Object]">1800 841 763</a></span> Mon - Fri 8:30am - 5:00pm AET</p></div></div></div></div><div data-testid="module-tabs-info" id="module-tabs-info" class="sc-433bf280-0 lcWAjX"><div></div><div class="sc-433bf280-3 dXYWOf"><h2 class="sc-dacff616-1 guzIMO"><p>What is Cyber Insurance?</p></h2><div class="sc-433bf280-4 eoaXPg"><p>Cyber insurance is designed to help cover your businessâs financial losses if it falls victim to cybercrime. It can help cover a wide range of cyber related risks, and risks relating to information technology infrastructure. A claim under Cyber Insurance may cover financial losses your business suffers as a result of a cyber incident (known as first party cover), as well as losses suffered by third parties as a result of the incident (known as third party cover).</p> 341<p>Cyber crime is no longer new news, and small businesses are not immune to the likelihood of cyber attacks. Thatâs why Cyber Insurance is an important cover to consider for any small business with a digital footprint.</p></div></div></div><div id="module-basic-info" data-testid="module-basic-info" class="sc-74f43d8a-0 lblscB"><div class="sc-74f43d8a-1 jfGpVK"><h2 class="sc-dacff616-1 sc-74f43d8a-6 guzIMO fuDvDI">Cyber Insurance options through Aon</h2><div class="sc-74f43d8a-7 dSVoay"><style> 342.stripped tr td { background-color: transparent !important} 343.stripped tr:nth-child(even) { 344 background-color: white !important; 345} 346.stripped tr:nth-child(odd) { 347 background-color: rgb(245, 249, 253) !important; 348} 349 @media (max-width: 767px) { 350 table { 351 white-space: wrap !important; 352 } 353} 354</style> 355 356<table class="stripped"><tbody><tr><th><strong>CFC Micro SME Cyber Insurance</strong></th><th><strong>Other Cyber Insurances</strong></th></tr><tr><td>May be available for online purchase</td><td>Available through an Aon broker</td></tr><tr><td>Complimentary access to CFC Response Apps</td><td>Access to CFC Response App available <br/> 357 with a CFC Cyber insurance policy</td></tr><tr><td>Cover for incident response; system damage <br/> & business interruption; network security <br/> 358 & privacy liability & third party losses <br/> 359 up to certain limits<sup>1</sup> </td><td>Flexible coverage options</td></tr><tr><td>No cover for Media Liability & Technology <br/> 360 Errors & omissions</td><td>Flexible limits available based on your <br/> 361 businessâs industry & needs</td></tr><tr><td>Maximum policy limit of $100,000</td><td>Optional cover available for Media Liability <br/> 362 & Technology Errors & Omissions</td></tr><tr><td>Only available to businesses in selected <br/> 363 industries with annual revenue under $2,000,000</td><td>Can be arranged for businesses in a <br/> 364 wide range of industries &
364 revenue</td></tr><tr></tr><tr></tr></tbody></table> 365<small> 366</small> 367<small></small></div></div></div><div id="module-basic-info" data-testid="module-basic-info" class="sc-74f43d8a-0 lblscB"><div class="sc-74f43d8a-1 jfGpVK"><h2 class="sc-dacff616-1 sc-74f43d8a-6 guzIMO fuDvDI">Get Complimentary access to CFC's Response App </h2><div class="sc-74f43d8a-7 dSVoay"><p>When you purchase a CFC Cyber Insurance policy through Aon, you'll receive complimentary access during your cover period to CFC's bespoke suite of risk management services, delivered through their award-winning app, Response.</p> 368<p>All you need to do is use your policy details to register. Take a look at the <span class="sc-f2696058-0 qfjBH"><a href="https://www.cfc.com/en-au/cyber/response/cyber-response-app" target="_blank" node="[object Object]">CFC Response App</a></span> to learn more.</p> 369<br/></div><div aria-owns="rmiz-modal-" data-rmiz=""><div data-rmiz-content="not-found" style="visibility:visible"><img src="https://images.ctfassets.net/8edxnwlq2x0m/53jwtqXSgV5iBZtGaQP0bY/b65135d8f461325708dee12499255201/Frame_1.svg" alt="CFC Cyber Response app approved graphic" class="sc-74f43d8a-4 lgkDxp" loading="lazy"/></div></div></div></div><div id="module-basic-banner" data-testid="module-basic-banner" class="sc-6a0c594f-0 bDJDcU"><div class="sc-6a0c594f-1 gCjCdi"><div class="sc-6a0c594f-2 gyxXpZ"><div class="sc-6a0c594f-3 cmnaMv"><img alt="cyber-risks" loading="lazy" width="2000" height="563" decoding="async" data-nimg="1" class="sc-6a0c594f-4 ewUMko" style="color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 2000 563'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='/'/%3E%3C/svg%3E")" src="https://images.ctfassets.net/8edxnwlq2x0m/3FBIE7CT4TCLWT0SKpsehg/39b0ef9c8123b2a50f64729a0639783c/cyber-risks"/></div></div><div class="sc-6a0c594f-5 bEeIZe"><h1 class="sc-dacff616-0 sc-6a0c594f-6 jdZWiH tkZBZ">Difference between CFCâs Micro SME Cyber Insurance and other standard Cyber Insurances</h1><div class="sc-6a0c594f-7 hkGZce"><p>The CFC Micro SME Cyber Insurance policy is an entry level policy which includes a maximum policy limit of $100,000. If this single limit is not sufficient for your business, please contact Aon to discu
369ss alternative cyber insurance options. Remember, just as every business is different, so too is their digital footprint and the cyber insurance cover they require.</p> 370<br/> 371<p>Itâs important to carefully review the potential cyber risks that your business faces, along with the potential loss you could suffer following a cyber attack when deciding which cover option to select. You can also use tools such as the <span class="sc-f2696058-0 qfjBH"><a href="https://www.cfcunderwriting.com/en-au/ransomware-calculator" target="_blank" node="[object Object]">CFC ransomware calculator</a></span><sup>2</sup> to estimate your businessâs ransomware risk. Considering a combination of factors may give you an indication on whether an entry-level policy is appropriate for your business, or whether you need to consider another Cyber Insurance product.</p> 372<br/></div><button class="sc-380f169e-0 hjftLn sc-6a0c594f-8 hRZXEc" data-testid="element-cta" id="7y8KZmyfWsJbvM6EKcE3yE">Get a Quote</button></div></div></div><div id="module-icon-boxes" data-testid="module-icon-boxes-container" class="sc-dbf2fb62-2 gTCZJc"><h2 class="sc-dacff616-1 sc-dbf2fb62-0 guzIMO gXMwqf"><p>Why Aon?</p></h2><div class="sc-dbf2fb62-1 ehDriN"><p>Don't just insure, be sure.</p></div><div class="sc-dbf2fb62-3 bWtCVc"><div data-testid="element-icon-box" class="sc-3faa017f-0 wpuHP"><div class="sc-8807c7cc-0 gBHWWn sc-3faa017f-1 hzQBsT"><svg width="36" height="36" viewBox="0 0 36 36" fill="none" xmlns="http://www.w3.org/2000/svg"> 373<g id="Brand=AON"> 374<g id="checkout"> 375<path id="Combined-Shape" fill-rule="evenodd" clip-rule="evenodd" d="M27 4.5C28.6569 4.5 30 5.84315 30 7.5V31.5C30 33.1569 28.6569 34.5 27 34.5H9C7.34315 34.5 6 33.1569 6 31.5V7.5C6 5.84315 7.34315 4.5 9 4.5H12V5.25C12 6.41954 12.8923 7.38067 14.0333 7.4897L14.25 7.5H21.75C22.9926 7.5 24 6.49264 24 5.25V4.5H27Z" fill="white"></path> 376<path id="Combined-Shape_2" fill-rule="evenodd" clip-rule="evenodd" d="M12 3V3.75C12 4.91954 12.8923 5.88067 14.0333 5.9897L14.25 6H21.75C22.9195 6 23.8807 5.10767 23.9897 3.96669L24 3.75V3H27C28.6569 3 30 4.34315 30 6V30C30 31.6569 28.6569 33 27 33H9C7.34315 33 6 31.6569 6 30V6C6 4.34315 7.34315 3 9 3H12ZM12 24C11.1716 24 10.5 24.6716 10.5 25.5C10.5 26.3284 11.1716 27 12 27C12.8284 27 13.5 26.3284 13.5 25.5C13.5 24.6716 12.8284 24 12 24ZM24 24H16.5C15.6716 24 15 24.6716 15 25.5C15 26.3284 15.6716 27 16.5 27H24C24.8284 27 25.5 26.3284 25.5 25.5C25.5 24.6716 24.8284 24 24 24ZM12 18C11.1716 18 10.5 18.6716 10.5 19.5C10.5 20.3284 11.1716 21 12 21C12.8284 21 13.5 20.3284 13.5 19.5C13.5 18.6716 12.8284 18 12 18ZM24 18H16.5C15.6716 18 15 18.6716 15 19.5C15 20.3284 15.6716 21 16.5 21H24C24.8284 21 25.5 20.3284 25.5 19.5C25.5 18.6716 24.8284 18 24 18ZM24 12H16.5C15.6716 12 15 12.6716 15 13.5C15 14.3284 15.6716 15 16.5 15H24C24.8284 15 25.5 14.3284 25.5 13.5C25.5 12.6716 24.8284 12 24 12ZM12 12C11.1716 12 10.5 12.6716 10.5 13.5C10.5 14.3284 11.1716 15 12 15C12.8284 15 13.5 14.3284 13.5 13.5C13.5 12.6716 12.8284 12 12 12Z" fill="#B8DAE4"></path> 377<path id="Combined-Shape_3" fill-rule="evenodd" clip-rule="evenodd" d="M18 1.5C18.8284 1.5 19.5 2.17157 19.5 3H21.75C22.1642 3 22.5 3.33579 22.5 3.75V5.25C22.5 5.66421 22.1642 6 21.75 6H14.25C13.8358 6 13.5 5.66421 13.5 5.25V3.75C13.5 3.33579 13.8358 3 14.25 3H16.5C16.5 2.17157 17.1716 1.5 18 1.5Z" fill="#0083A9"></path> 378</g> 379</g> 380</svg></div><div class="sc-3faa017f-2 eIdEzL"><p>Industry expertise</p></div><div class="sc-3faa017f-3 cBHbq"><p>Feel confident about your choice of insurance by talking with specialists in your industry</p></div></div><div data-testid="element-icon-box" class="sc-3faa017f-0 wpuHP"><div class="sc-8807c7cc-0 gBHWWn sc-3faa017f-1 hzQBsT"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 381<g id="Brand=AON"> 382<path id="Combined Shape" fill-rule="evenodd" clip-rule="evenodd" d="M6.16675 8.33333C6.16675 10.1743 7.65913 11.6667 9.50008 11.6667C11.341 11.6667 12.8334 10.1743 12.8334 8.33333C12.8334 6.49238 11.341 5 9.50008 5C7.65913 5 6.16675 6.49238 6.16675 8.33333ZM14.5001 11.6667C14.5001 13.0474 15.6194 14.1667 17.0001 14.1667C18.3808 14.1667 19.5001 13.0474 19.5001 11.6667C19.5001 10.286 18.3808 9.16667 17.0001 9.16667C15.6194 9.16667 14.5001 10.286 14.5001 11.6667Z" fill="#B8DAE4"></path> 383<path id="Combined Shape_2" fill-rule="evenodd" clip-rule="evenodd" d="M9.48612 13.3333C5.55159 13.3333 2.32355 15.3554 2.00054 19.3327C1.98295 19.5493 2.39726 20 2.60625 20H16.3722C16.9983 20 17.008 19.4962 16.9983 19.3333C16.7541 15.2443 13.476 13.3333 9.48
383612 13.3333ZM21.5466 20H18.3333C18.3333 18.1242 17.7136 16.3932 16.6677 15.0005C19.5064 15.0316 21.8243 16.4668 21.9987 19.5C22.0058 19.6222 21.9987 20 21.5466 20Z" fill="#0083A9"></path> 384</g> 385</svg></div><div class="sc-3faa017f-2 eIdEzL"><p>Local support</p></div><div class="sc-3faa017f-3 cBHbq"><p>All brokers based in Australia</p></div></div><div data-testid="element-icon-box" class="sc-3faa017f-0 wpuHP"><div class="sc-8807c7cc-0 gBHWWn sc-3faa017f-1 hzQBsT"><svg width="36" height="36" viewBox="0 0 36 36" fill="none" xmlns="http://www.w3.org/2000/svg"> 386<g id="Brand=AON"> 387<path id="Path" fill-rule="evenodd" clip-rule="evenodd" d="M14.6334 14.8889V28.1889L16.3717 28.7619C18.19 29.3612 20.0923 29.6667 22.0068 29.6667H27.3908C29.5322 29.6667 31.377 28.1576 31.8015 26.0587L32.8937 20.6584C33.4816 17.7517 31.1461 15.081 28.187 15.2761L22.8526 15.6278L23.3286 10.4496C23.4742 8.86619 22.2278 7.5 20.6378 7.5C19.6933 7.5 18.8174 7.99307 18.3275 8.80049L14.6334 14.8889Z" fill="#B8DAE4"></path> 388<rect id="Rectangle" x="5.76672" y="13.2" width="6.33333" height="16.4667" rx="1" fill="#0083A9"></rect> 389</g> 390</svg></div><div class="sc-3faa017f-2 eIdEzL"><p>Global broker</p></div><div class="sc-3faa017f-3 cBHbq"><p>Our global scale means we can negotiate competitive quality insurance products with insurers</p></div></div><div data-testid="element-icon-box" class="sc-3faa017f-0 wpuHP"><div class="sc-8807c7cc-0 gBHWWn sc-3faa017f-1 hzQBsT"><svg width="65" height="64" viewBox="0 0 65 64" fill="none" xmlns="http://www.w3.org/2000/svg"> 391<g id="General / File"> 392<path id="Combined Shape" fill-rule="evenodd" clip-rule="evenodd" d="M16.1189 5.33337H38.0458C38.4005 5.33337 38.7437 5.45906 39.0145 5.68811L53.3019 17.7729C53.6388 18.0579 53.8332 18.4768 53.8332 18.9181V53.5556C53.8332 58.3304 53.7786 58.6667 48.8808 58.6667H16.1189C11.221 58.6667 11.1665 58.3304 11.1665 53.5556V10.4445C11.1665 5.66971 11.221 5.33337 16.1189 5.33337Z" fill="#B8DAE4"></path> 393<path id="Combined Shape_2" fill-rule="evenodd" clip-rule="evenodd" d="M17.5 29.3334C16.9477 29.3334 16.5 29.7811 16.5 30.3334V33.6667C16.5 34.219 16.9477 34.6667 17.5 34.6667H39.5C40.0523 34.6667 40.5 34.219 40.5 33.6667V30.3334C40.5 29.7811 40.0523 29.3334 39.5 29.3334H17.5ZM17.5 40C16.9477 40 16.5 40.4478 16.5 41V44.3334C16.5 44.8857 16.9477 45.3334 17.5 45.3334H28.8333C29.3856 45.3334 29.8333 44.8857 29.8333 44.3334V41C29.8333 40.4478 29.3856 40 28.8333 40H17.5Z" fill="#0083A9"></path> 394</g> 395</svg></div><div class="sc-3faa017f-2 eIdEzL"><p>Client education</p></div><div class="sc-3faa017f-3 cBHbq"><p>We provide specialist resources on business insurance and risk management to help you stay on top of current and emerging risks in your industry</p></div></div></div></div><div id="module-faq" data-testid="module-faqs" class="sc-909c06b0-0 iHonMg"><div class="sc-909c06b0-1 gsqUHd"><h2 class="sc-909c06b0-2 kTHCsz">FAQs</h2><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>Who is not eligible for Micro SME Cyber Insurance?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>A number of business types, including those with annual revenue over $2,000,000 will be referred to Aon to provide information about other cyber insurance products.</p></div><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>Whatâs is typically not covered by a Cyber Insurance policy?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>Cyber Insurance policies contain exclusions and conditions which are important to understand. For example, Cyber Insurance will not cover any criminal activities or deliberate acts of wrongdoing by you; patent infringement; loss of economic value of your intellectual property assets; or power or utility failures. Refer to the policy wording for full details on exclusions under a Cyber Insurance policy.</p> 396<br/> 397<p>Cyber Insurance is not intended to replace other types of more traditional insurance â such as public and product liability insurance or professional indemnity insurance.</p></div><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>Who are CFC?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>CFC is the insurer who issues Micro SME Cyber Insurance, as well as other Cyber Insurance policies arranged by Aon. Learn more about <span class="sc-f2696058-0 qfjBH"><a href="https://www.cfcunderwriting.com/en-au" title="https://www.cfcunderwriting.com/en-au/" node="[object Object]">CFC here</a></span>. There are also other insurers who offer cyber insurance. If youâd like to know more about our insurer partners, please contact our team.</p></div><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>How can a cyber criminal attack my business?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>Cyber criminals can use malware and viruses, computer and network hacking, denial of service attacks, social engineering or online scams to commit their crimes. For cyber criminals, it can be relatively easy to access computers and networks that do not have adequate security infrastru
397cture.</p> 398<br/> 399<p>Whilst a company can put in place various controls to protect their business, a significant number of cyber incidents are caused by human error. Mistakes such as clicking on a link or opening a malicious email can be enough to allow cyber criminals access to your network.</p></div><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>How can Cyber Insurance help?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>Cyber insurance can help protect your balance sheet from the costs associated with cyber events. These can be large, particularly if sensitive personal data is breached, you lose access to critical business data or suffer downtime. The assistance of a specialist cyber incident response team, that is typically available with cyber insurance, may also be a worthwhile benefit. Engaging an incident response provider can be expensive, time-consuming and might not offer the expertise that is expected of an insurerâs incident response panel to tackle the situation head on.</p></div><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>What is Business Interruption?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>Business Interruption cover is a feature available under Cyber Insurance which is designed to help cover your businessâs loss of income which occurs as a result of an insured cyber incident, up to a specified period of time.</p></div><div class="sc-6f13f513-0 ksRuLz"><div class="sc-6f13f513-1 kDwlPQ"><div class="sc-d504f154-0 jrvjB"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><g fill="none" fill-rule="evenodd"><path d="M0 0h24v24H0z"></path><circle cx="12" cy="12" r="10" fill="#B8DAE4"></circle><path fill="#0083A9" d="M12 6a1 1 0 0 1 1 1v4h4a1 1 0 0 1 0 2h-4.001L13 17a1 1 0 0 1-2 0l-.001-4H7a1 1 0 0 1 0-2h4V7a1 1 0 0 1 1-1"></path></g></svg></div></div><div class="sc-6f13f513-2 dwaRWv element-faq-question"><p>What is funds transfer fraud?</p></div></div><div class="sc-6f13f513-3 gAgmdC element-faq-answer"><p>An unauthorised electronic transfer of funds from your bank; 400The theft of money from your bank by electronic means; 401The theft of money from your corporate credit cards by electronic means; and, any phishing or social engineering attack against any employee or officer that results in the transfer of your funds to an unintended third party. Cyber Insurance arranged by Aon gives you the option to be covered for fraud transfer fraud (up to a specified limit)<sup>3</sup>.</p></div></div></div><section id="module-articles-overview" data-testid="module-articles-overview" class="sc-76bf6e03-0 jUOjWf"><div class="sc-76bf6e03-2 dhmtBi"><div class="sc-76bf6e03-3 gloIOY"><p>The news you need to know</p></div><a href="/sme-talk" class="sc-76bf6e03-4 kBlfKi">Read more</a></div><div class="sc-19c04dcd-0 eMNfFU"><div class="react-multi-carousel-list " dir="ltr"><ul class="react-multi-carousel-track " style="transition:none;overflow:unset;transform:translate3d(0px,0,0)"></ul></div></div></section><div id="module-claim" data-testid="module-claim" class="sc-355f5fef-0 btKGaN"><div data-testid="module-claim-inner-wrapper" class="sc-355f5fef-1 cagNjY"><div class="sc-355f5fef-2 cQHffR"><div class="sc-355f5fef-3 iUHIsS"><h1 class="sc-dacff616-0 sc-355f5fef-7 jdZWiH LXdqX">Ways to get in touch</h1><button class="sc-380f169e-0 hjftLn sc-355f5fef-9 kbmBNj" data-testid="element-cta" id="7AnqagxyxiPlzvlUgn64V8">Get a Quote</button><div class="sc-355f5fef-10 kXnRud"><div class="sc-355f5fef-11 gtiFMv"><p>Or call us on <span class="sc-f2696058-0 qfjBH"><a href="tel:1800841763" node="[object Object]">1800 841 763</a></span>, or email us on <span class="sc-f2696058-0 qfjBH"><a href="/cdn-cgi/l/email-protection#4524306b36282429292730362c2b20363605242a2b6b262a28" node="[object Object]"></a></span><span class="sc-f2696058-0 qfjBH"><a href="/cdn-cgi/l/email-protection#e28397cc918f838e8e8097918b8c879191a2838d8ccc818d8f" node="[object Object]"><span class="__cf_email__" data-cfemail="94f5e1bae7f9f5f8f8f6e1e7fdfaf1e7e7d4f5fbfabaf7fbf9">[email protected]</span></a></span></p></div></div></div></div></div></div><div id="module-basic-info" data-testid="module-basic-info" class="sc-74f43d8a-0 lblscB"><div class="sc-74f43d8a-1 jfGpVK"><div class="sc-74f43d8a-7 dSVoay"><br/> 402<p><small><sup>1</sup> Subject to full policy terms and conditions. 403<br/> 404<sup>2</sup>You can use the CFC ransomware calculator to estimate the potential costs you might incur as a result of a cyber ransomware incident. Please note that ransomware is just one part of the cyber risk landscape and there may be other cyber risks that businesses face. If you require more comprehensive cyber insurance or have any questions, please call us on <span class="sc-f2696058-0 qfjBH"><a href="tel:0261900958" node="[object Object]">02 6190 0958</a></span>. 405<br/> 406<sup>3</sup>Subject to full terms, conditions, exclusions and limits of the policy.</small></p></div></div></div></main></div><footer data-testid="module-footer" class="sc-7f871603-0 iZBoOS"><div class="sc-7f871603-1 gZMFsp"><div class="sc-7f871603-2 iNmbQa"><div class="sc-7f871603-3 dVqDIg"><div class="sc-8807c7cc-0 gBHWWn sc-7f871603-9 hFsMWS"> 407<svg width="215px" height="21px" viewBox="0 0 215 21" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> 408 <title>50280228-E1F7-41BD-982B-D1EFF21E99E8</title> 409 <g id="BASELINE-MOBILE" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> 410 <g id="Mobile---Home---France" transform="translate(-24.000000, -6352.000000)" fill="#FFFFFF" fill-rule="nonzero"> 411 <g id="Modules-/-Mobile-/-Cross-/-Footer-/-France" transform="translate(0.000000, 6320.000000)"> 412 <g id="Elements-/-Logos-/-CW" transform="translate(24.000000, 32.000000)"> 413 <path d="M86.0022023,7.1860028 L88.0293964,12.5750316 C88.4742552,13.8051734 88.7501761,
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432all \u003ca href=\"tel:1800841763\"\u003e1800 841 763\u003c/a\u003e Mon - Fri 8:30am - 5:00pm AET","cta":{"text":"Get a Quote","disablePopup":true,"openLinkInNewTab":true,"sys":{"id":"E7tbOiV5MJXqABXOqHiSS"},"__typename":"elementCta"},"sys":{"id":"6OZeZ9O0fv2zfIkc2StVMp"},"__typename":"moduleGenericBanner"},{"slug":"/insurance/cyber","title":"What is Cyber Insurance?","description":"Cyber insurance is designed to help cover your businessâs financial losses if it falls victim to cybercrime. It can help cover a wide range of cyber related risks, and risks relating to information technology infrastructure. A claim under Cyber Insurance may cover financial losses your business suffers as a result of a cyber incident (known as first party cover), as well as losses suffered by third parties as a result of the incident (known as third party cover). \n\nCyber crime is no longer new news, and small businesses are not immune to the likelihood of cyber attacks. Thatâs why Cyber Insurance is an important cover to consider for any small business with a digital footprint.","tabs":[{"entryTitle":"AUS, INTRODUCTION, module-tabs-info (USE)","tabName":"INTRODUCTION","href":"module-tabs-info","sys":{"id":"4VOND3KA6UawFtAPvuJOtP"},"__typename":"elementTab"},{"entryTitle":"AUS, COVER, basic-info (USE)","tabName":"COVER","href":"module-basic-info","sys":{"id":"18vBibBO4RysFbAYmVQdEy"},"__typename":"elementTab"},{"entryTitle":"AUS, FAQS, module-faq (USE)","tabName":"FAQS","href":"module-faq","sys":{"id":"3SV5fW52cTy88nUmSr1umV"},"__typename":"elementTab"}],"sys":{"id":"2NYz4WTMNpQjBOHiDuFZNZ"},"__typename":"moduleTabsInfo"},{"slug":"/insurance/cyber","title":"Cyber Insurance options through Aon","primaryTitle":false,"content":[{"slug":"/insurance/cyber","text":"\u003cstyle\u003e\n.stripped tr td { background-color: transparent !important}\n.stripped tr:nth-child(even) {\n background-color: white !important;\n}\n.stripped tr:nth-child(odd) {\n background-color: rgb(245, 249, 253) !important;\n}\n @media (max-width: 767px) {\n table {\n white-space: wrap !important;\n }\n}\n\u003c/style\u003e\n\u003c/br\u003e\n\n\u003ctable class=\"stripped\"\u003e\n \u003ctr\u003e\n \u003cth\u003e\u003cstrong\u003eCFC Micro SME Cyber Insurance\u003c/strong\u003e\u003c/th\u003e\n \u003cth\u003e\u003cstrong\u003eOther Cyber Insurances\u003c/strong\u003e\u003c/th\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003eMay be available for online purchase\u003c/td\u003e\n \u003ctd\u003eAvailable through an Aon broker\u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003eComplimentary access to CFC Response Apps\u003c/td\u003e\n \u003ctd\u003eAccess to CFC Response App available \u003cbr\u003e\n with a CFC Cyber insurance policy\u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003eCover for incident response; system damage \u003c/br\u003e \u0026 business interruption; network security \u003c/br\u003e \n \u0026 privacy liability \u0026 third party losses \u003c/br\u003e \n up to certain limits\u003csup\u003e1\u003c/sup\u003e \u003c/td\u003e\n \u003ctd\u003eFlexible coverage options\u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003eNo cover for Media Liability \u0026 Technology \u003cbr\u003e\n Errors \u0026 omissions\u003c/td\u003e\n \u003ctd\u003eFlexible limits available based on your \u003cbr\u003e\n businessâs industry \u0026 needs\u003c/td\u003e\n \u003ctr\u003e\n \u003ctd\u003eMaximum policy limit of $100,000\u003c/td\u003e\n \u003ctd\u003eOptional cover available for Media Liability \u003cbr\u003e\n \u0026 Technology Errors \u0026 Omissions\u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003eOnly available to businesses in selected \u003cbr\u003e\n industries with annual revenue under $2,000,000\u003c/td\u003e\n \u003ctd\u003eCan be arranged for businesses in a \u003cbr\u003e\n wide range of industries \u0026 revenue\u003c/td\u003e\n \u003ctr\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003c/tr\u003e\n\u003c/table\u003e\n\n\u003csmall\u003e \n\u003c/small\u003e\n\u003csmall\u003e\u003c/small\u003e\n","sys":{"id":"5WvuopskgoK0bFjnYxKzyZ"},"__typename":"elementParagraph"}],"backgroundColor":"white","sys":{"id":"4kdzLQWJJS8EQuByYIhEwP"},"__typename":"moduleBasicInfo"},{"slug":"/insurance/cyber","title":"Get Complimentary access to CFC's Response App ","primaryTitle":false,"isContents":false,"content":[{"slug":"/insurance/cyber","text":"When you purchase a CFC Cyber Insurance policy through Aon, you'll receive complimentary access during your cover peri
432od to CFC's bespoke suite of risk management services, delivered through their award-winning app, Response. \n\nAll you need to do is use your policy details to register. 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432ss alternative cyber insurance options. Remember, just as every business is different, so too is their digital footprint and the cyber insurance cover they require. \n\n\u003cbr\u003e\n\nItâs important to carefully review the potential cyber risks that your business faces, along with the potential loss you could suffer following a cyber attack when deciding which cover option to select. You can also use tools such as the \u003ca href=\"https://www.cfcunderwriting.com/en-au/ransomware-calculator/\" target=\"_blank\"\u003eCFC ransomware calculator\u003c/a\u003e\u003csup\u003e2\u003c/sup\u003e to estimate your businessâs ransomware risk. Considering a combination of factors may give you an indication on whether an entry-level policy is appropriate for your business, or whether you need to consider another Cyber Insurance product.\n\n\u003c/br\u003e\n","hideDefaultPhone":false,"cta":{"text":"Get a Quote","disablePopup":true,"sys":{"id":"7y8KZmyfWsJbvM6EKcE3yE"},"__typename":"elementCta"},"sys":{"id":"64IQzMrLumqWuAvlFB0wit"},"__typename":"moduleGenericBanner"},{"name":"Why Aon - in a row (AU) ","title":"Why Aon?","subtitle":"Don't just insure, be sure.","iconBoxes":[{"graphics":{"title":"Industry expertise","image":{"title":"Icon-AUS-checklist","description":"Icon-AUS-checklist\ncheck\npaper\nlist\nboard\nnotes\nnote\nwriting\npaper\nlisting\naon\naustralia\n","file":{"url":"//images.ctfassets.net/8edxnwlq2x0m/7EbjlNX0bb41uQmXJoz44d/1d500a6bc02bbad664a66323a175ef39/Brand_AON-1.svg","details":{"size":1944,"image":{"width":36,"height":36}},"fileName":"Brand=AON-1.svg","contentType":"image/svg+xml","svgContent":"\u003csvg 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For example, Cyber Insurance will not cover any criminal activities or deliberate acts of wrongdoing by you; patent infringement; loss of economic value of your intellectual property assets; or power or utility failures. Refer to the policy wording for full details on exclusions under a Cyber Insurance policy.\n\n\u003cbr\u003e\n\nCyber Insurance is not intended to replace other types of more traditional insurance â such as public and product liability insurance or professional indemnity insurance.","sys":{"id":"4huT0VQ5igVrEn1xeQvDEh"},"__typename":"elementFaq"},{"question":"Who are CFC?","answer":"CFC is the insurer who issues Micro SME Cyber Insurance, as well as other Cyber Insurance policies arranged by Aon. Learn more about [CFC here](https://www.cfcunderwriting.com/en-au/ \"https://www.cfcunderwriting.com/en-au/\"). There are also other insurers who offer cyber insurance. If youâd like to know more about our insurer partners, please contact our team.","sys":{"id":"3snfjAVIvkPxlKEkTWiE7C"},"__typename":"elementFaq"},{"question":"How can a cyber criminal attack my business?","answer":"\nCyber criminals can use malware and viruses, computer and network hacking, denial of service attacks, social engineering or online scams to commit their crimes. For cyber criminals, it can be relatively easy to access computers and networks that do not have adequate security infrastructure.\n\n\u003cbr\u003e\n\nWhilst a company can put in place various controls to protect their business, a significant number of cyber incidents are caused by human error. Mistakes such as clicking on a link or opening a malicious email can be enough to allow cyber criminals access to your network.\n","sys":{"id":"2mlXh34DzuY59aNwS4uefJ"},"__typename":"elementFaq"},{"question":"How can Cyber Insurance help?","answer":"Cyber insurance can help protect your balance sheet from the costs associated with cyber events. These can be large, particularly if sensitive personal data is breached, you lose access to critical business data or suffer downtime. The assistance of a specialist cyber incident response team, that is typically available with cyber insurance, may also be a worthwhile benefit. Engaging an incident response provider can be expensive, time-consuming and might not offer the expertise that is expected of an insurerâs incident response panel to tackle the situation head on.","sys":{"id":"OgsHtYWYmFEDY4d1JpCC1"},"__typename":"elementFaq"},{"question":"What is Business Interruption?","answer":"Business Interruption cover is a feature available under Cyber Insurance which is designed to help cover your businessâs loss of income which occurs as a result of an insured cyber incident, up to a specified period of time.","sys":{"id":"1Kfxmn8IzN783taC4Q99oV"},"__typename":"elementFaq"},{"question":"What is funds transfer fraud?","answer":"An unauthorised electronic transfer of funds from your bank;\nThe theft of money from your bank by electronic means;\nThe theft of money from your corporate credit cards by electronic means; and, any phishing or social engineering attack against any employee or officer that results in the transfer of your funds to an unintended third party. Cyber Insurance arranged by Aon gives you the option to be covered for fraud transfer fraud (up to a specified limit)\u003csup\u003e3\u003c/sup\u003e.","sys":{"id":"14EL4CbdbVh7rJH3jE3IBD"},"__typename":"elementFaq"}],"sys":{"id":"4b2jm3qm4YhVghjNv9wmGV"},"__typename":"moduleFaqs"},{"name":"The news you need to know - Cyber","type":"Slider","centerTitle":true,"alignLeftTitle":true,"title":"The news you need to know","seeMoreText":"Read more","link":"/sme-talk","cards":[{"title":"What is a Cyber Attack? Protecting Your Business","description":"Technology opens many doors for small businesses but also puts them at risk of cyber-attacks. Find out what a cyber-attack is and how you can help protect your business.","image":{"title":"au-blogpost-cyber-insurance-attack","description":"cyber-insurance","file":{"url":"//images.ctfassets.net/8edxnwlq2x0m/6tMigv2rBMpbeWA1tDtfFZ/e52f92cdc9b529b32bef2a2285adc944/au-blogpost-cyber-attack.jpg","details":{"size":234725,"image":{"width":1480,"height":740}},"fileName":"au-blogpost-cyber-attack.jpg","contentType":"image/jpeg"},"sys":{"id":"6tMigv2rBMpbeWA1tDtfFZ"},"__typename":"Asset"},"link":"/sme-talk/risk-insurance/what-is-a-cyber-attack","sys":{"id":"28Cty47MJBvX2tNwLZYHu9"},"__typename":"elementSliderItem"},{"title":"Do I need Professional Indemnity or Cyber Insurance?","description":"How well do you understand the difference between these two policies?","image":{"title":"AU-PI or Cyber","description":"man on ipad\ncyber or professional indemnity\nau\nsme talk","file":{"url":"//images.ctfassets.net/8edxnwlq2x0m/psSTK2YIN28TtGIaeWo3R/ced082b84348a06edd9f382d45493a1f/AU-PI_or_Cyber.jpg","details":{"size":123025,"image":{"width":1480,"height":740}},"fileName":"AU-PI or Cyber.jpg","contentType":"image/jpeg"},"sys":{"id":"psSTK2YIN28TtGIaeWo3R"},"__typename":"Asset"},"link":"/sme-talk/risk-insurance/professional-indemnity-vs-cyber-insurance","sys":{"id":"78jciRGokGd7twL0kTgY3U"},"__typename":"elementSliderItem"}],"isInteractive":true,"sys":{"id":"51xC8GxCpGjCQZPi1tL9rR"},"__typename":"moduleArticlesOverview"},{"name":"Ways to get in touch","type":"claim","showFeefoReviews":false,"title":"Ways to get in touch","hideDefaultPhone":true,"callText":"Or
432call us on \u003ca href=\"tel:1800841763\"\u003e1800 841 763\u003c/a\u003e, or email us on \u003ca href=\"mailto:[email protected]\"\[email protected]\u003c/a\u003e","date":"2023-06-20T00:00+04:00","cta":{"text":"Get a Quote","disablePopup":true,"openLinkInNewTab":true,"sys":{"id":"7AnqagxyxiPlzvlUgn64V8"},"__typename":"elementCta"},"sys":{"id":"6Ep1pvyVPRRwNlAF8CtIKt"},"__typename":"moduleGenericBanner"},{"slug":"/insurance/cyber","primaryTitle":false,"content":[{"slug":"/insurance/cyber","text":"\u003cbr\u003e\n\n\u003csmall\u003e\u003csup\u003e1\u003c/sup\u003e Subject to full policy terms and conditions.\n\u003cbr\u003e\n\u003csup\u003e2\u003c/sup\u003eYou can use the CFC ransomware calculator to estimate the potential costs you might incur as a result of a cyber ransomware incident. Please note that ransomware is just one part of the cyber risk landscape and there may be other cyber risks that businesses face. If you require more comprehensive cyber insurance or have any questions, please call us on \u003ca href=\"tel:0261900958\"\u003e02 6190 0958\u003c/a\u003e.\n\u003cbr\u003e\n\u003csup\u003e3\u003c/sup\u003eSubject to full terms, conditions, exclusions and limits of the policy.\n","sys":{"id":"3rCUbMoGOzsgrqCuw4EwWS"},"__typename":"elementParagraph"}],"backgroundColor":"white","sys":{"id":"1MFIpsxzdxwpMWAmLVaeTG"},"__typename":"moduleBasicInfo"}],"moduleFooter":{"name":"AU Website Footer columns","type":"SEO","logo":{"title":"footer-logo","file":{"url":"//images.ctfassets.net/8edxnwlq2x0m/5baXihitfRycJN4bIcYWXO/e51da1a92ec242c09094a589b8c2873b/footer-logo.svg","details":{"size":16959,"image":{"width":215,"height":21}},"fileName":"footer-logo.svg","contentType":"image/svg+xml","svgContent":"\u003c?xml version=\"1.0\" encoding=\"UTF-8\"?\u003e\n\u003csvg width=\"215px\" height=\"21px\" viewBox=\"0 0 215 21\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"\u003e\n \u003ctitle\u003e50280228-E1F7-41BD-982B-D1EFF21E99E8\u003c/title\u003e\n \u003cg id=\"BASELINE-MOBILE\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"\u003e\n \u003cg id=\"Mobile---Home---France\" transform=\"translate(-24.000000, -6352.000000)\" fill=\"#FFFFFF\" fill-rule=\"nonzero\"\u003e\n \u003cg id=\"Modules-/-Mobile-/-Cross-/-Footer-/-France\" transform=\"translate(0.000000, 6320.000000)\"\u003e\n \u003cg id=\"Elements-/-Logos-/-CW\" transform=\"translate(24.000000, 32.000000)\"\u003e\n \u003cpath d=\"M86.0022023,7.1860028 L88.0293964,12.5750316 C88.4742552,13.8051734 88.7501761,14.6932765 88.8571674,15.2393675 L88.9247405,15.2393675 C88.9979451,14.9462028 89.1513909,14.4446689 89.3850826,13.7347506 L89.4746462,13.4671417 C89.7826085,12.5574353 90.5171695,10.463738 91.678346,7.1860028 L93.1818483,7.1860028 L89.2034797,17.9468155 C88.8093011,19.0102559 88.3489637,19.7647124 87.8224537,20.2102077 C87.2959437,20.6557029 86.649782,20.8784472 85.8839493,20.8784472 C85.4559839,20.8784472 85.033656,20.8295872 84.6169529,20.7318656 L84.6169529,19.5850803 C84.9266647,19.6540602 85.2729736,19.6885497 85.6558899,19.6885497 C86.618812,19.6885497 87.3057987,19.1367186 87.7168707,18.03304 L88.2321159,16.6879384 L84.4986999,7.1860028 L86.0022023,7.1860028 Z M104.104376,4.8915002 C105.890045,4.8915002 107.409763,5.53332016 108.66353,6.85707383 L107.181805,8.78253371 C106.155995,7.81980377 105.130186,7.37855255 104.066383,7.37855255 C103.040574,7.37855255 102.128743,7.73957628 101.330891,8.46162373 C100.571032,9.18367119 100.191102,10.1464011 100.191102,11.3096998 C100.191102,12.4729985 100.571032,13.4357284 101.330891,14.2380034 C102.09075,15.0402783 103.040574,15.4414158 104.142369,15.4414158 C105.244165,15.4414158
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