What is cyber insurance?
A policy that covers your own losses after a cyber incident (response costs, data restoration, lost income) and claims made against you by others.
Cyber cover priced on how your systems really work.
Five sections of cover in one policy, built for South African businesses and underwritten by [CARRIER NAME]. Your terms reflect your actual controls, not a checkbox questionnaire.
Not sure where to start?
Cyber insurance pays for the response, the recovery and the claims that follow a cyber incident. It also gives you specialists to call when something goes wrong.
What it covers
Who needs it?
Any business that relies on email, cloud services or online payments, or holds personal information about customers or staff. In practice, nearly every business.
Why technical underwriting?
Two businesses with the same turnover can carry very different cyber risk. We assess the controls that make the difference, so your terms reflect your risk.
The five parts of our cover
Claims from third parties after a cyber event, such as a client whose systems were affected by malware that spread from yours.
Specialist negotiation and response, extortion demands where lawful and insurable, and the costs of restoring encrypted or stolen data.
Lost income and extra operating costs while systems are down because of a cyber event. Optional cover for some non-malicious outages.
Forensics, legal advice, POPIA notifications, call centres and crisis communications when personal information is compromised.
Defence costs and damages for privacy claims, and regulatory investigation costs where insurable by law.
How exposed is your business?
Our free self-check takes about ten minutes and gives you a plain-language view of where you stand. It's not an underwriting decision, just a useful starting point.
Why buy from an underwriter who speaks IT?
Generic proposal forms reduce complex environments to yes/no answers. That tends to penalise well-run businesses and miss real exposures in others.
Our underwriters work from technical evidence: your external attack surface, how identity and access are controlled, how recoverable your data is. That means fairer terms, fewer surprises at claim time, and specific guidance on what to improve.
- Terms explained in technical language your IT team can act on
- Clear reasons for any exclusions, sub-limits or conditions
- Incident response support from first call to recovery [TODO: confirm panel]
Understand your cover
Practical guides for finance leaders, IT leads and brokers.
What a cyber policy covers
First-party and third-party cover in plain language, and the exclusions worth understanding.
Security controls we look for
The controls that most affect cyber terms, and why they matter to an underwriter.
First 24 hours after an incident
What to do, and what not to do, when you suspect ransomware, a breach or payment fraud.
Cyber Risk Self-Check
Twelve questions that give you a quick, honest read on your cyber posture.
Cover questions.
[TODO: confirm product structure: which sections are core, which are optional, and how limits/sub-limits are set per section].
Start with a clear view of your risk.
Tell us about your business and environment. We'll come back with an honest view of your exposure and what cover could look like.
Get a Cyber Risk Check
Cover is subject to underwriting acceptance and to the terms, conditions, limits, sub-limits, deductibles and exclusions in the policy wording. [TODO: link to policy wording / product summary]