Indagard Insurance Services Guide to Cyber Risk and Insurance

HOW TO STAY 

PROTECTED AGAINST 

CYBER THREATS

INDAGARD INSURANCE SERVICES 

Copyright © 2018 John Catibog 

Disclaimer: This publication is for information purposes only. The 

information in this publication does not take into account the 

objectives, financial situation or needs of any person and should 

not be taken as advice. Before making any decision, please consult 

with a qualified professional. 

A CYBER INSURANCE GUIDE - PAGE 3


CONTENTS 

INTRODUCTION 4 

MANDATORY DATA BREACH SCHEME 7 

COMMON CYBER ATTACKS AND CULPRITS 12 

STAYING SAFE ONLINE 19 

THE COST OF CYBER SECURITY 24 

WHAT DOES CYBER INSURANCE COVER? 29 

BUT I ALREADY HAVE INSURANCE 34 

GETTING CYBER PROTECTED 37 



Did you know 

that 60% of 

businesses 

close down 

within 6 

months of a 

data breach 

incident? 



Introduction 

Insurance is an essential item on any business’s balance 

sheet. 

Depending on the industry you are in, your clients, 

vendors and/or the government may require you to 

carry certain types of insurance. Chances are that you are 

well familiar with these: public liability cover, builders 

insurance, commercial auto, key person insurance, just to 

name a few. 

In this e-book, however, we will shed light on a different 

type of insurance that is becoming more and more critical. 

With data breaches on the rise, Cyber Insurance is the type 

of insurance that deserves your attention. 

It is not contractually required (yet) in most cases but the 

lack of it can (and most possibly will) have devastating 

consequences. 

We’ll take an in-depth look at what cyber insurance is, the 

covers it provides and the privacy laws that impact you. 

Not only will we look at Cyber Insurance but we’ll also 

discuss the most common cyber attacks/hacks you could 

face. 



According to Ponemon Institute, an average cost 

Australian business incurs, is $139 per affected record. 

If you had just a 1000 records (that could include 

customer information, vendor information, email 

subscribers, anyone who signed up to your website with a 

password), your average cost would be $139,000. 

Do you have this money set aside to cover a cyber breach 

incident? 

If not, read on. 

What exactly is cyber 

insurance? 

Cyber Insurance is designed to help offset your costs in the 

event of a data breach. 

Like any other insurance, it’s a risk mitigation technique 

that allows you to transfer some of that risk to the 

insurance company. 

Let’s face it; every business nowadays uses technology. 

Whether you sell online, or simply have your customer 

information on a server in a cloud, if your computer is 

connected to the internet, the data is at risk. 



The truth is, the data you are responsible for is never 100% 

secure, and hackers make it their mission to breach your 

computer’s defences. 

Technology has massively changed the way business 

is done today. While technology in business has many 

advantages, it has opened the door to many new dangers 

and risks that didn’t exist before the digital era. 

You may be a local business, but your reach is global the 

moment you’re online and at risk. 

Cyber insurance will cover costs associated with notifying 

the individuals whose data has been stolen, forensic 

investigation costs and will protect you from lawsuits by 

people affected by the data breach whose records you were 

responsible for. 

Of course, no policy is the same, so it’s important to look 

at each quote you receive to determine what exactly is 

covered. 



MANDATORY 

NOTIFICATION 

DATA BREACH 

SCHEME 



Are there any laws that make 

Cyber Insurance necessary? 

The new Notification Data Breach (NDB) scheme has 

changed the requirements for companies and agencies in 

protecting the Personal Identifiable Information (PII) they 

collect and store. 

This new law made Cyber Insurance even more critical as 

there are new (costly) obligations to deal with if the breach 

happens. 

On February 22, the Office of the Australian Information 

Commissioner (OAIC) established the NDB scheme as part 

of the Privacy Act. 

What does this mean for you? 

If your business, agency or non-for-profit organisation has 

an annual turnover of $3 million, it is now mandatory for 

you to report any data breaches to the OAIC. 

Additionally, you must notify any individual whose 

sensitive information has been accessed and is likely to 

be harmed within 30 days of becoming aware of a data 

breach. 



Why do I need cyber insurance? 

If you recall, the introduction to this book gave an 

alarming statistic – an average cost the business incurs, is 

$139 per affected record. 

With NDB in place, this average is sure to climb up for 

compliant businesses due to now mandatory notification 

and regulatory costs. 

Simply put, the damages and consequences from a cyber 

attack can significantly hurt your business. 

Keep in mind, that your costs will be far higher than the 

mandatory regulatory costs. 

Consider this. If the data breach happens, will you want to 

hire a PR firm to mitigate the reputational damage and bad 

press? 

Of course, you would. 

What about the income that lessens due to your customers 

not trusting you anymore? 

Wouldn’t you need some kind of financial supplement to 

keep you from shutting the doors due to no income? 

Cyber Insurance attempts to keep your business running 

while you deal with the fallout from the breach. Business 



Interruption, Media & Relations and more are all covers 

available under the policy. 

If you don’t have the protection Cyber Insurance provides 

against cyber risks, then there is a real chance that you will 

be the one who foots the bill from cyber damages along 

with any loss of data. 

If you are a contractor, you may start to see the 

requirement of having a Cyber Liability Insurance policy 

included in your future contracts. People are beginning to 

realise that a cyber threat is real and everyone wants to be 

protected in case anything happens. 

Do you: 

 

Have your employees use computers, 

smartphones, and/or the internet as part of their jobs? 

 

Create, keep and use sensitive customer 

information from customers, employees and suppliers? 

 

As a consultant recommend or implement any 

security measures for your client? 

If you answered yes to any of those questions, then you 

need cyber insurance. 



I’m just a small business. Why 

would hackers want to target 

me? 

According to various studies, at least 45% of all cyber 

attacks target small businesses. 

Look, the tech giants like Apple, Yahoo, Facebook and 

more, all anticipate data breaches and have whole 

departments that deal with data security. 

A big corporation will have teams of people monitoring 

their security and susceptibility to attacks 24/7, and even 

they are not immune. 

Just think of Equifax data breach scandal that affected over 

143 million Americans. 

Small businesses are often targeted because it’s easier. 

Their data is less secure, they don’t invest enough (or at all) 

into security countermeasures and thus is seen as an easier 

job for the hackers. 

Sometimes, the hackers themselves don’t even 

intentionally target you. They may have automated 

malware randomly flooding vulnerable systems, and your 

business happens to be one of the victims. 



COMMON 

CYBER 

ATTACKS 

AND 

CULPRITS 



What are the most common 

types of cyber attacks? 

There is a wide range of methods cyber criminals use to 

breach your system and steal your data. 

A short list of common techniques these criminals might 

use includes malware, phishing, DDOS, SQL Injection, and 

Social engineering. 

To give you a better understanding of the threats you 

could potentially be facing online, please see below the 

brief overview of each of these methods. 

Malware 

This is one of the most common ways for cyber criminals 

to breach your system. 

Malware is a harmful software intended to be used 

maliciously against your machine; once installed, it can 

spread and disable your computer, overload your servers, 

and steal your records. 

Common types of malware include viruses, ransomware, 

worms, and spyware. 

Attackers will disguise malware as harmless links or email 

attachments to trick you or your staff into clicking. 



Once clicked, malware can be used to gain control of your 

system, spy on your activities, monitor keystrokes and 

passwords, create vulnerabilities to be accessed further or 

crash your computer and network. 

Phishing 

Phishing is a cyber attack where the perpetrator pretends 

to be someone else to trick you into providing passwords 

or financial details. 

They may pretend to be a reputable business or 

organization, a regular person who is in a rough situation, 

or a group that is in charge of giving you some kind of 

prize or award. 

DDOS 

Short for distributed denial of service, DDOS attacks are 

used to crash computers, servers, or networks. 

They work by overloading the system with incoming data 

from multiple sources; often the attacker will use a group 

of people or bots to send repeated information to the 

system from numerous different connections. 

They might enlist the help of people from a website or else 

use various different servers to hit your system from many 

entry points. 



SQL Injection Attack 

Standard query language (SQL) is a management language 

that is used to query and handle information within 

databases. 

In an SQL Injection attack, the attacker will use code to 

“trick” a database into providing them sensitive or valuable 

information by exploiting vulnerabilities in the system. 

Before you have any chance of reacting, the attacker has 

copied this information from your database and now has 

full access to it. 

Imagine if your system stored medical files, credit card 

details, or tax file numbers and fell victim to this kind of 

attack! 

Social engineering 

Social engineering involves an elaborate ploy to 

manipulate an individual into giving up sensitive 

information. 

Cyber attackers will use human interaction to coerce 

the individual to break procedure and either directly or 

indirectly give them access to valuable information. 

Attackers often use tactics that, on the surface, seem 

completely innocent and harmless but that, in actuality, 

can seriously jeopardize the safety of your data. 



Who commits cyber crimes? 

Cyber crime has evolved dramatically in the last decade. 

Back in the 90’s a typical hacker was a lone wolf who wrote 

a virus to show everyone what he could do. 

These days cyber crime is a “legitimate business” for many 

criminal organisations that devote considerable resources 

to writing viruses and creating scams to get access to your 

private data. 

The type of people who commit these crimes go by many 

names: Hackers, identity thieves, organized criminals, and 

cyber terrorists, just to name a few. 

Whatever they are referred to as, these attackers have a 

common goal: to steal your data. 

The threat, however, can sometimes come from much 

closer to home – your data can be stolen by competitors, 

your employees, or even be a simple human error. 

Competitors 

This one isn’t hard to believe. The perpetrators can be 

your competitors wanting to give themselves an edge over 

you. 

There are numerous, unethical and creative ways 



unscrupulous competitors can try and get access to your 

data. 

They might contact your employees, use theft or hack into 

your computers to get the information and disrupt the 

operation of your business. 

You can’t underestimate how far a competitor might 

be willing to go to gain an advantage. Whatever their 

motivation or strategy is, competitors represent a real risk 

to your system and your sensitive information. 

Employees 

Cyber threats aren’t just outside your organisation. 

Employees can also pose a threat. 

Employees, both past, and present, could hijack your 

proprietary information to sell it to another party or use it 

to start their own business venture. 

They might steal important financial data for their own 

benefit. Whether they are out for revenge or simply 

looking for financial gain, it is essential to have processes 

in place to safeguard your data. 

Human Error 

Data breaches aren’t always the work of cyber criminals. 

Sometimes a data breach can simply be a result of basic 

human error. 



For example, an employee might dispose of paperwork 

by throwing it in the bin. Unbeknownst to the employee, 

those papers contained valuable information that gets into 

the wrong hands. 

It’s not uncommon for business owners to completely 

underestimate or even ignore the risks posed by members 

of their own staff with inside access to their data and key 

information. 

Another human error example is an employee losing his 

work laptop (or it being stolen). 

Is it employee’s fault? 

Usually no. 

But it can be a severe risk in the wrong hands. 



STAYING 

SAFE 

ONLINE 



Insurance should be seen as the last line of protection for 

your business when all other measures fail. 

After all, prevention is better than cure. 

Insurers also look more favourably upon businesses that 

are taking precautions to prevent a data breach and could 

result in better premiums and terms for cover. 

You cannot stop a cyber attack because if a criminal really 

wants to access your system, they’ll find a way, but you can 

make it as hard as you can for them. Often, that would be 

enough of a deterrent. 

After all, most would rather do a quick hack, get in and get 

out rather than spending considerable amount of time and 

resources hacking a well protected business that they don’t 

know what they’ll find in. 

Besides having cyber insurance, here are some ways to 

minimise a cyber hack and the damaging aftermath. 

Invest in security software 

Security software is a must for keeping your data secure 

and protecting the information you are responsible for 

from cyber attacks. 

Security software is a worthwhile investment, and both 

antivirus and firewall should be installed to protect you 



against the most common forms of cyber attacks. 

An antivirus protects you against malware. 

A firewall helps prevent any unauthorised access. 

Make sure that you are continually upgrading your 

software, as newer and more sophisticated viruses and 

methods are developed every day. 

Antivirus software can only be truly effective when it 

is prepared for the latest and most high-risk malware 

floating around on the web. 

Encrypt your data 

Encryption is a simple but highly effective way to make 

data harder to access by hiding its readability. You’d be 

surprised at how much more secure your data can become 

using simple encryption software. 

Update your software to the latest 

versions 

When software is updated, the developers add code to 

protect against the latest forms of cyber attacks. It’s best 

to update your software to the latest versions on a regular 

basis. Often, vulnerabilities or exploits that were present in 

earlier versions will also be patched up by the developers. 



Restrict access 

For highly sensitive or valuable information, it is a very 

good idea to restrict access so that only those who you 

trust and who need to see it can use it. After all, it doesn’t 

make much sense to let sensitive information be accessed 

by people who don’t need to see it, right? 

Regular backup 

For crashes and other more obvious cyber attacks, regular 

backups will be a lifesaver in protecting and restoring your 

data against damage or deletion. 

Utilize both cloud and physical backups and update 

them regularly. This will ensure that your backup is 

always relatively current and that you don’t lose any key 

information due to an attack. 

Regular backup and safe storage of the backup is often 

a condition insurers want to see in a business they are 

assessing for cover. 

Implementing Security Awareness 

programs 

Security Awareness Program is a training for your 

employees to educate them on proper online use, who to 

contact if they discover a security threat and that data is an 

important corporate asset. 



Stay Smart Online program, an Australian government 

initiative, has collated tips on safe online behaviour 

to help you stay secure online. You can get it on the 

StaySmartOnline.gov.au website. 

Some good precautionary measures for online use would 

be to restrict the use of social media during work hours 

and disallowing sending work-related data to/from 

employee’s personal email. 

The amount of time it takes to teach your staff some of 

the basics of safe online use is well worth the risks it might 

protect your organization against. 

Change your password regularly 

A very easy way to protect against cyber attacks 

is to change your password regularly. Some good 

recommendations would be to increase the complexity of 

your passwords and to not write them down anywhere. 

It’s not at all uncommon for an attacker to gain access to a 

system due to an easily hacked password. 



THE COST 

OF CYBER 

SECURITY 



How much damage can a cyber 

breach do? 

According to the findings from the 2017 Cost of Data 

Breach Study: Australia conducted by IBM and the 

Ponemon Institute, notifications due to a cyber breach 

have an average cost of $500,000. 

Activities that are involved with notifications include 

the building of contact databases, checking to see if the 

business meets regulatory requirements, discussing the 

breach with outside experts, and miscellaneous costs 

related to the communication to those affected. 

Those are just the costs of notification activities! 

We haven’t even started to factor in other costs related to 

the damages. 

Additionally, consider these numbers: 

 

 

 

The total cost of a data breach averages out to 

$2.51 million 

The cost per lost or stolen record is an average of 

$139 

The financial, services, technology, 

communications, industrial, and education industries have 

greater costs due to the sensitive information they use. 



Another thing to keep in mind, is the fact that often the 

breach is not discovered immediately. 

Usually the attack runs in the background getting all the 

incoming information straight to the bad guy on the other 

end. 

The longer the attack happens, the higher the cost. 

Multiply those costs by hundreds or thousands of records 

and you can see how quickly the numbers grow. 

THE HARDEST COST TO 

QUANTIFY IS THE LOSS OF 

CUSTOMER TRUST 

If you knew your best friend’s data was compromised 

because he was doing business with Company A, would 

you willingly give them your personal information? 

Of course not. 

I wouldn’t either. 

So that company has already lost you and me as their 

potential customers. 

It’s easy to see how this could snowball quickly resulting 

in no new customers, reduced or non existent business 



income all while incurring unexpected expenses. 

Recent examples are the worldwide trending 

#DeleteFacebook and Mark Zuckerberg in damage control 

as an impact of the lost of the trust. Target and Yahoo! are 

other recent examples that made headlines. 

There’s no doubt the damage to the trust amongst their 

customers would have a negative impact on their business. 

How much cyber insurance do I 

need? 

It depends. 

Some factors to consider are your industry, how and where 

you operate your business, the size of your business and 

the type of information you keep. 

The limits you need can also be dictated by the contract 

requirements you have with your clients or vendors. 



How much does cyber liability 

insurance cost? 

Again, it depends. 

This is like asking “how much would it cost me to buy a 

house?” You can’t give a cookie-cutter answer because 

the factors involved is different for everybody. You have 

to consider the location of your house, the size of it and 

many more factors that are unique for every buyer. 

As with buying a house, when purchasing an insurance 

policy the cost depends on several factors. 

The most important being the size and nature of your 

business, as well as, the level of cover you wish to have. 

The cost of cyber liability insurance is never a certain until 

your risks are properly reviewed by the underwriters, 

however a rough, indicative starting range of cyber 

insurance premiums can be between $900 to $2,500, for 

cover between $500,000 to $2 million for a small business. 

Corporate businesses that have larger operations or across 

border will have much greater costs but they also have a 

great deal to lose. 

It may seem like the unnecessary cost but the cost of the 

yearly premium is so much less than what a business 

would have to pay if the incident was to happen. 



WHAT DOES 

CYBER 

INSURANCE 

COVER? 



First party damages 

This covers the costs incurred by your business. 

It’s important because it provides you the money needed 

to respond to a breach and get you back to operating at the 

same level before the breach occurred. 

A policy can include: 

Privacy Notification & Crisis Management Expenses 

 

Notification of the data breach to those affected. 

A vital cover to the cost of complying with the new NDB 

scheme. 

 

 

Hiring a forensic firm to investigate the breach. 

Hiring a PR firm to manage the bad press and 

restore your customer’s faith. 

 

Providing credit monitoring to those affected 

MULTIPLE BREACHES 

A travel agency with 4 locations experienced 3 separate 

breaches over a year’s period. Over 250,000 records were 

compromised including credit card and passport information. 

The Cyber Liability policy paid $1.75M in forensic and legal 

costs and the cost of notifying those affected. 



Business Interruption Costs 

This cover your loss as a result of a hack and to get you 

back in business again. 

 

Loss of income - compensating the business for 

lost income while it is dealing with the fallout from the 

breach. 

 

restoration. 

 

The cost to recover the data and system 

Extortion and ransom payments – payments 

to the extortionist that is holding your data hostage or is 

threatening an attack. 

Social engineering damages 

A cyber insurance policy can cover offline damages 

sustained due to the use of deception in manipulating 

individuals into divulging confidential, personal 

information which can be used for illicit purposes. 

Third party liability costs 

This covers the costs you will incur to compensate those 

that have been negatively affected as a result of your 

system being breached. 

Let me demonstrate. Imagine your business was to clean 



one-of-a-kind widgets. You take the widget from the 

customer to be cleaned at your workshop. Overnight, a 

fire starts and destroys the dirty, but functioning, widget. 

You are liable for the costs to replace the widget. However, 

you may also be liable for the costs incurred by the client 

as a result of losing the widget. 

Cyber Policy works in a similar same way – third party 

portion of the cover protects your business against a legal 

action and costs incurred by others as a results of their data 

being compromised in your possession. 

SHOPPING, INTERRUPTED 

A large online retailer’s ($5M turnover) website was hacked 

and included a link to a competitor’s website when the hackers 

got access to their customer’s sensitive data. Business 

Interruption portion of the policy paid $800,000 to repair 

the website, comply with regulations and notify affected 

individuals. 

Multimedia costs 

Coverage can extend to social media damages; for 

instance, libel and slander. Additionally, it can also cover 

the costs of copyright infringement. 



It’s important to look through a policy and see if it meets 

any needs you might have in this area. 

What should I look for in a 

cyber insurance policy? 

It is vital that you understand the definitions and wordings 

within the agreement. Some of the covers we discussed 

may not be included in a package. One insurer might 

define something as a cyber event while another would 

not. 

Other important details to note are limits, sub-limits, and 

time frames. 

Finally, you will want to consider the unique risks to your 

business, what exclusions are present in the policy, and 

whether or not you want to consider extensions for third 

parties. 

Businesses that need more. 

Some businesses, due to their real or perceived level of 

risk, will be more difficult to organize a policy for. 

Examples of types of businesses that are included in this 

category are adult content sites, application development, 

credit card processing sites, government and medical 

professions with a large number of records, online retailers 

with a large online presence and restaurant franchises. 



BUT 

I ALREADY 

HAVE 

INSURANCE 



I have public liability insurance. 

Doesn’t it cover cyber crime? 

Yes and no. 

While there are certainly some business insurance policies 

that cover cyber-related instances, there are also many that 

don’t. 

Even with a cyber liability endorsement to a liability 

policy, you will never get the same limits that you would 

with a standalone Cyber policy. 

Typically, the endorsements have an aggregate limit of 

$50,000 which will vanish very quickly leaving you to foot 

the rest of the bill. 

Also, the extension endorsements often do not include 

first party cover - basically you may not be covered for PR 

/ Media relations cost, forensic investigation and incidents 

covered by multimedia cover or social engineering cover. 

My financial officer organises 

our insurance. What’s there to 

be concerned about? 

While financial officers play a very important and 

necessary role in a company, it’s worth keeping in mind 



that their performance may be measured in terms of 

saving money. 

As a result, they may opt for the cheaper insurance policy 

that doesn’t adequately cover your business against cyber 

risks in order to meet their cost objectives. 

As the director, you could be the one held accountable in 

case of a data breach and subsequent lawsuit. Because of 

this, you are going to want to make sure you are covered 

for events like a cyber breach. 

My IT people say my system is 

rock solid. Is there any reason 

to worry? 

While they may truly believe that’s the case (in which 

case, get their word in writing so that they will accept 

responsibility in the event of a breach), the fact of the 

matter is that no system, no matter how secure, is immune 

to breaches or vulnerabilities. 

You also might want to review your agreement with your 

IT service providers and see what happens in case of a 

breach. 

It’s a good idea to have clarity in your contract and find 

out exactly what would happen were your system to be 

exploited. 



GETTING 

CYBER 

PROTECTED 



How do I get a cyber insurance 

quote? 

Our process for getting you a quote has been streamlined 

and is made very easy. 

For most small businesses, getting a quote can be started 

here with our online quote request. 

We genuinely believe it’s one of the most important covers 

a business can have and we are on a mission to bring 

awareness of those risks, and how Cyber Policy can solve 

them to every business we can. 

Because not every business is the same, we will have a 

necessary conversation where we find out more about your 

operation, your risks and verify any additional information 

an insurer will ask to provide the quote. Then we’ll take it 

from there and present you with a proposal, approved by 

one of our highly rated insurers. 

Please contact us at 0456 456 085. 

Which product is right for me? 

With the influx of new products on the Australian market, 

it can be difficult to know which one is the right fit for your 

business. 



This is a situation where having an experienced insurance 

broker can pay off. 

Once we get an adequate understanding of your business’s 

particular cyber risks, needs, and goals, we will work hard 

to match your requirements with the right product and 

insurer. 

We will be your guide in the confusing (and new) world of 

Cyber Liability Insurance. 

READY FOR A 

QUOTE? 



Conclusion 

At the end of the day, there are numerous high-cost risks 

being posed to nearly every business in the world by cyber 

attackers. Your business could potentially be facing huge 

issues with data breaches and system attacks. 

No system can be 100% protected from these kinds of risks, 

and no business can spend all of their time monitoring 

their computers and data to make sure everything is fine. 

It makes much more sense to simply take out a cyber 

insurance policy so that, if such a breach or cyber event 

were to happen, you know your business would not be 

financially culpable for the damages. 

Contact us today, and we will show you your options and 

set you up with the right policy for your business. We 

will make sure that you have a peace of mind that your 

business is protected in the event of a cyber attack. 



About The Author 

John Catibog is the director of 

Indagard Insurance Services. He 

has a degree in Computer Science 

with Deakin University and is an 

experienced insurance broker with 

in-depth knowledge of today’s 

insurance marketplace. 

Phone: 0456 456 085 

hello@indagard.com.au 

www.indagard.com.au 


Have you ever wondered if you’re getting the best insurance 

cover for you at the best price? Or felt that your insurance broker 

shouldn’t take that long to respond to your email? 

As a business owner, you’re constantly juggling, every single day. 

Staff to manage, marketing strategies to implement and financials 

to deal with are just some of the balls in the air. 

Business insurance is an essential part of your business’ financial 

stability but getting different quotes, comparing prices, researching 

the covers is time consuming. 

Let us free up your time so you can focus on running your 

business. 

Indagard Insurance Services 

www.indagard.com.au 

Call: 0456 456 085 

Email: hello@indagard.com.au 

Write: PO Box 155 

Flemington Vic 3031


References 

The Office of the Australian Information Commissioner (2018), 

Notifiable Data Breaches scheme, https://www.oaic.gov.au/privacy-law/ 

privacy-act/notifiable-data-breaches-scheme 

Ponemon Institute (2017), 2017 Ponemon Cost of Data Breach Study, 

https://www.ibm.com/security/au/en/data-breach/ 

Rapid7, Common Types of Cybersecurity Attacks, https://www.rapid7. 

com/fundamentals/types-of-attacks/ 

Stay Smart Online (2018), Security Awareness Implementation Guide, 

https://www.staysmartonline.gov.au/get-involved/guides/securityawareness-implementation-guide 

Simpson, K. (2017), Top 10 Tips for Data Theft Prevention, Inc., https:// 

www.inc.com/thehartford/10-data-theft-prevention-tips.html 

Dual Australia (2014), DUAL CLAIMS EXAMPLES - CYBER & 

PRIVACY PROTECTION, http://www.athoc.com.au/news-and-info/ 

athoc-content/uploads/2014/10/Dual-Cyber-Privacy-Protection- 

Claims-Examples-03-14.pdf 

Birkett, R. (2018), Business Law Breakfast on Privacy, Aitken Partners, 

Lecture 7 March 2018 

Joseph, M. (2018), Austbrokers Cyber Pro, Austbrokers Cyber Pro Pty 

Ltd, Lecture 22 March 2018

Indagard Insurance Services Guide to Cyber Risk and Insurance

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?