Digital Risk Cover

Cyber Crime Insurance for South African Business

Q: What does cyber insurance cover?

Cyber cover helps a business respond to and recover from cyber incidents such as hacking, ransomware and data breaches. Depending on the policy it can include incident response, data restoration, business interruption from an attack, and certain liabilities.

Hacking, ransomware and data breaches can stop a business in its tracks. Cyber cover helps you respond, recover and keep trading when your systems or data come under attack.

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FSCA-authorised broker (FSP 55248) Based in Midrand Access to 10+ insurers

What cyber cover helps with

A cyber incident is rarely just an IT problem — it's a business problem, affecting operations, customers and reputation. Cyber cover is designed to help you manage the fallout.

Incident response

Support to contain and investigate an attack when it happens.

Data & systems recovery

Help restoring data and systems affected by an event.

Business interruption

Cover for income lost while an attack keeps you from trading, depending on the policy.

Why it matters for smaller businesses too

It's a myth that only large companies are targeted. Smaller businesses are often hit precisely because their defences are lighter — and a single incident can be enough to threaten the whole operation.

You may want cyber cover if you

Hold customer or supplier data
Take payments or trade online
Rely on systems and software to operate day to day

Cover matched to your exposure

Cyber policies vary widely between insurers. As an independent broker we compare the options and explain what each one actually does, so you're not caught out on the detail when it counts.

Cyber insurance FAQs

What does cyber insurance cover?

Cyber cover helps a business respond to and recover from incidents such as hacking, ransomware and data breaches — potentially including incident response, data restoration, business interruption from an attack, and certain liabilities.

Does my small business really need it?

Smaller businesses are frequently targeted precisely because their defences are lighter. If you hold customer data, take online payments or rely on systems to trade, it's worth considering.

Is ransomware covered?

Many cyber policies address ransomware events, including response costs. The specifics vary by insurer, so we go through the terms with you.

How does the POPIA angle fit in?

A data breach can carry regulatory and notification obligations. Cyber cover can help with the response, but it isn't a substitute for legal advice — we can point you in the right direction.