products

Cyber Insurance

Designed to help protect your business from the financial impact of computer hacking or a data breach.

Who should consider Cyber Protection protection?

If your business has a website or electronic records, you're vulnerable to cyber hackers. It is likely that your business will suffer a cyber attack at some stage.

A cyber attack could cost your business more than money. It could also threaten your intellectual property and put customer's information at risk - which could damage your reputation.

Who should consider Business Interruption protection?

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If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

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For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

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Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

Cyber insurance policies vary in the benefits they provide. Our risk consultancy team can help you find the most suitable product that meets the needs of your business. Here's the type of cover that your policy may include

Business interruption losses

Covers financial loss you may suffer as a result of a cyber attack

Cyber extortion

The costs of a cyber attack, such as hiring negotiation experts, covering extortion demands and prevention of future threats

Electronic data replacement

The costs of recovering or replacing your records and other business data.

Security and privacy liability

Damages to your reputation resulting from data breaches, such as loss of third party data held on your system.

Defence costs

Funds the legal costs of defending claims.

Regulatory breach liability

Covers legal expenses and the costs of fines arising from investigation by a government regulator.

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: Your employee opens an email attachment infected with a ransomware virus. Access to your systems and data are blocked unless you pay the ransom. Rather than paying you hire external IT consultants forcing you to close your business and lose revenue, affecting your reputation with clients.

Outcome: A Cyber Protection Insurance policy allows you to recover some costs you incur during this incident. Depending on your policy you may be able to make a claim for losses caused by the interruption, costs of recovering data and ongoing crisis management expenses.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

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