Name: Protego Insurance
Address: Lvl 2, 307 Peachey Road, Munno Para, SA, 5115, AU
Telephone: 08 6374 7128

Cyber InsuranceResponse and recovery after a breach, ransomware or funds-transfer fraud — including the costs that land in the first 48 hours.Cyber cover is less about the technology than the aftermath: who you call at 6am, who pays the specialists, and what happens to the income you lose while systems are down. Small businesses are targeted precisely because attackers assume nobody is watching.What it can cover

Incident response — IT forensics, legal advice and breach coaching, usually from the first call

Business interruption while systems are unavailable, and the cost of rebuilding data and systems

Cyber extortion and ransomware costs, subject to policy terms and applicable law

Notification costs and regulatory response where personal information is exposed

Funds transfer fraud, where money is diverted by a scam or an intercepted invoice

Who it may suitCyber cover may suit a business that holds customer data, takes payments online, or would stop trading if its systems did. Whether it's appropriate for you depends on your own circumstances — read the PDS and TMD before deciding.Worth thinking about

Cyber policies differ more than most. Two policies at similar premiums can respond very differently to the same incident, so the wording matters more than the price.

Most insurers now expect basic controls — multi-factor authentication, backups, patching. Some cover is conditional on them, so it's worth confirming what's assumed of you.

Funds transfer fraud and social engineering are often sub-limited well below the headline limit. Worth knowing which number actually applies.

Australian notifiable data breach obligations can apply regardless of whether you're insured. Cover helps with the cost and the process; it doesn't remove the duty.

Important informationProtego Insurance Pty Ltd ABN 55 699 311 558 is a Corporate Authorised Representative (CAR 001322006) of Sirius Insurance Pty Ltd ABN 60 606 142 027, AFSL 550946.The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Before making any decision about any insurance product, consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statement(s) (PDS) and Target Market Determination(s) (TMD).

Financial Services Guide (FSG)

Insurance Brokers Code of Practice

Complaints Policy