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Organisations are taking large steps forward in operational efficiency thanks to the ingenuity of some of these devices but they are also potentially sacrificing staggering amounts of private data to get there. While we recommend organisations take advantage of the internet of things for marketing, efficiency and business process overhaul. We also strongly recommend understanding the items and their vulnerabilities before adding them to your network. This is an interesting time for insurance providers as the risk for data and identity theft from the staggering abundance of connected devices is unprecedented.

Experts have estimated we have well surpassed the global population with numbers of connected devices are are showing no signs of slowing down.

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Most major insurance providers are proactively researching IoT risks and are trying to pivot accordingly. Currently many existing business insurance policies will cover basics like theft or accidental damage for items but these policies will not kick in if the device is hacked. Nor will those policies cover data theft or malicious damages caused as a result of the vulnerable device.

Cyber insurance policies will round out this area of a risk management report but be sure to understand the policy fine print and the impact of any new devices. For example, some policies will require encryption to be used across all portable devices or risk having the claim denied. We know these technologies exist.

We already insure them. But what are the future implications? Turning office equipment into bugging devices. Easily hacked hospital equipment. Toy manufacturer Vtech hacked. Fitbit hacked from ten feet away. Fitness bands easily hacked to control how it works. Connected car in the second-hand lot? The first owner might still have access. And the second. And so on. We suggest discussing your current device vulnerabilities with information security staff, researching online and putting a cyber insurance policy in place as soon as possible.

The start of has seen a nearly constant media trail covering cyber attacks and discussing the risks involved with hacking for businesses small to large and critical infrastructure networks. Yahoo is still in damage control and desperately trying to stop the value of their current buyout with Verizon from slipping any further. Many business owners are beginning to recognize the risk and impacts coming their way as a result of media coverage and internal discussions but are still unsure of the specifics regarding cyber insurance. While these options may suit some businesses at this stage, we recommend asking yourself the following questions to assess your companies cyber insurance policy requirements.

Most businesses are familiar with insurance proposal forms or applications. How a business discloses their operations has great impact on the insurance policies written based on these details. Organisations being left to weather the storm due to incorrectly disclosed activities is nothing new and has been argued by insurance providers on countless occasions. Questions regarding turnover, staff numbers, products, assets, etc are all standard and easily answered but cyber insurance proposal forms have been asking questions surrounding data retention, internal security protocols, penetration tests and audits, privacy policies and more which have been raising eyebrows lately.

Taking the time to discuss the proposal requirements with a counsel of staff and broker will no doubt help to ensure accurate information has been disclosed for your industry specific business situation. Arranging the most appropriate policy depends on accurate information from your staff and the best advice from your broker. Knowing the market differences in policy coverage from providers and how to negotiate tailored terms for your unique business needs is also important to keep in mind when assessing your broker.

This will help to reduce gaps in cover which would be costly at claim time. In the event of a claim, you want to be confident your business will be taken care of promptly and professionally. The majority of policies have approved third party vendors which will be used should a claim incident arise but knowing the best attorneys, security analysts, forensic investigators and other response providers is something your broker should be aware of and strive to recommend. For most business insurance policies there are certain industry specific clauses and endorsements which if not reviewed can cause large gaps in policy cover, cyber insurance is no different.

Understanding and regularly disclosing the risks your business faces will help your adviser make the best amendments and decision for cover. As a result Cyber Insurance Australia recommends arranging a stand alone cyber insurance policy with a sufficient limit of indemnity. First party costs are a standard part of these polices however third-party costs can be excluded. Having your broker understand how your business operates in the digital world is necessary for accurate cover, the US case against P.

Changs illustrates the importance of a greater level of industry knowledge required from insurers and brokers. The restaurant chain requested cover for PCI-DSS assessments but were not able to prove that request was correctly covered in their cyber insurance policy. These costs could have been avoided by a carefully worded amendment to the policy terms in line with the clients operations. For example, human error is still the number 1 cause for malware attacks. The decision sets a dangerous precedent for Australian businesses relying on existing policies to cover themselves.

Nightmare stories of insurance companies declining to cover something which the business owner thought was part of their policy is nothing new.


Understanding when and why your insurance policy will kick in and what is left uncovered is important and should always be discussed with your broker. We recommend having a meeting between your information security staff and your potential broker regarding industry specific risks and business operations to confirm any possible gaps in cover.

With the recent mandatory data breach notification bill being passed, one of the important questions is weather the policy has cover for suspected breaches and associated investigations or strictly confirmed breaches. Investigating a potential breach and reporting to the appropriate government body can be costly and time consuming. Yahoo and a range of high profile organisations have been victims of massive data breaches but even at such a large corporate level these breaches were only discovered a shocking years later when investigating a different suspected breach.

This month we are taking a look at how a few medium to large Australian businesses responded and recovered from various cyber events and how their cyber insurance was able to assist. Healthcare Provider. The provider was unable to determine if the devices were lost, stolen or destroyed.

Their lawyers advised the company to notify the affected individuals and assisted the company to address a regulatory investigation into the incident. An Australian logistics, freight forwarding and warehousing organisation was the victim of multiple business interruptions causing their network to be down for a total of 21 days. Could your business survive for 21 days without your network and information?

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A disgruntled ex subcontractor turned out to be the culprit and cause of the network outage. The ex subcontractor had vast knowledge of the companies network and when the contractor was released from employment sought malicious revenge. A forensic IT provider was appointed to identify their main cause and complete restoration of the entire network. Over 25, names and numbers for customer credit cards and personal details for staff members were compromised. Malicious software was also found on an administrators laptop which caused the entire firm to cease business for 72 hours.

Web Interface

The Administrator was sued for impaired network access and conduit related injuries. B2B manufacturer. A materials manufacturer leased a copying machine for a 24 month contract through a third-party intermediary. After the lease had expired the manufacturer returned the copier via the third-party intermediary. The proprietary information was stolen and then sold by the employee. A major retailer took a new marketing strategy and decided to email promotions to their current clients. The insured company intended to attach a promotional flyer but instead attached a spreadsheet which contained a list of customer names, addresses and credit card information.

Counterfeit Money

The lawyers for the retailer advised them to notify all affected customers and offered credit monitoring support after the fallout. Several of the affected customers brought civil proceedings against the retailer. Here is our February wrap-up of malicious emails making the rounds for Australian businesses. Cyber risk awareness is slowly growing but still has a long way to go before email phishing scams start to lose the incredible financial incentive.

Australian Citibank customers have been the victims of the most elaborate scam email of the past few months involving replica websites and fake SMS security codes. The inclusion of SMS is extremely unusual and indicates the elaborate lengths criminals are taking.

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Customers are directed to follow a link to sign in and restore their online access. Customers are then redirected to a very realistic replica of the authentic Citibank website which prompts the user input their User ID and password. Unfortunate victims who put their details into the replica website are then prompted to verify extra personal information such as their mobile phone number and date of birth.

This ingenious method replicates the real two-factor authentication security procedure used by Citibank legitimately. In this time, the scammers have a short window to log in to the real Citibank website disguised as the customer. The victim then inputs their security code which goes straight to the scammer and in turn allows them to finalise and transaction they like. These emails can be exceedingly hard to spot as scammers are putting unseen levels of effort into duping the average recipient. Strange Parking Fines. A recent wave of peculiar emails has been reported which has raised a few eyebrows regarding the unpaid bill the recipient apparently failed to settle earlier.

Fake parking infringement notices have been circulating for years but this surprisingly low dollar amount is causing curiosity to get the best of some recipients. At the time of detection by MailGuard, zero of 64 well-known antivirus vendors had flagged the link as suspicious. Once enabled, the people behind the email are capable of downloading further malware like ransomware or key-logging software. This scam is very similar to the previous driver infringement notice email we discussed last month. A year-old Australian man on holiday in Namibia has been killed by an elephant while camping near a river in the Kunene region.

The central bank has lowered its key economic forecasts for as it waits for the full impact of previous rate cuts to play out. Pair of quick-thinking heroes saved an elderly couple from a disastrous fate after they crashed into a dam. The man who sparked terror on a passenger flight by threatening that he had a bomb has had his sentence cut. An oil spill in Williamstown has seeped into a protected marine sanctuary that is home to coral, sharks, rays and octopus. Nabil Maghnie has been arrested as part of an investigation into the killing of an associate of drug king pin Tony Mokbel.

Premier Daniel Andrews' 'hard landing' will change Victoria's timber industry forever. A man who mailed asbestos-filled packages to dozens of embassies and consulates could walk free from jail.

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The Master of the Pong Su had ignored a police directive to take his ship to port, so the Australian government sent in the SAS on extremely short notice. The pair who picked up the heroin packages from the Pong Su had been followed by police for weeks but, in the end, acted in a most unexpected way.