New Wording now LIVE

Our new Cyber Liability and Privacy Protection Wording is now available. Some of the Key coverage enhancements include:

  • Business Interruption – Human or System Error

  • Business Interruption – Reputational Damages

  • Post-event consulting costs

  • Botnetting and Phreaking Expenses

More than 50% of NZ SME's experience IT security attacks at least once a year. 70% are affected by viruses, malware and scams. 83% of lost smartphones resulted in compromised business data.

DUAL's Appetite


Up to NZD $2,000,000

Risk Appetite

We have a broad underwriting appetite with most occupations able to be quoted.

DUAL's Cyber Liability & Privacy Protection policy provides the following key elements of cover:

Third Party Claims - covers the Insured's liability to third parties from a failure to keep data secure, such as claims for compensation by third parties, investigations, defence costs and fines and penalties from breaching the Privacy Act.

First Party Costs - reimburses the Insured for the costs they would incur to respond to a breach, such as IT Forensic Costs, Credit Monitoring Costs, Public Relations Expenses and Cyber Extortion Costs (including ransom payments to hackers).

Business Interruption - this section provides reimbursement for the Insured's loss of profits resulting from the breach, as well as any additional necessary expenses it may need to incur to continue business as usual.

DUAL - Cyber Liability


All Wordings are LIVE on the WebRater so get quoting today!

Please Note: Any DUAL New Business quote generated on or after 24th January 2024 will have terms issued on the new wordings.

Cyber Claims

For further information on our Cyber claims handling, click here.

To find your local Underwriter and obtain a quotation for Cyber Liability and Privacy Protection Insurance, please click here.

Talk to a DUAL Underwriter

Contact DUAL