Insurance for Technology, Media & Digital

Key risks

Common industry risks

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

The Risks

Risks Response

Technology Liability Insurance

A system outage, cyber event or platform failure disrupts your operations and results in claims or losses for your business and clients.

Technology Liability Insurance may respond to claims arising from professional errors, cyber incidents and business interruption losses.

Funds Transfer Fraud

A fraudulent email or spoofed instruction tricks your team into transferring funds to a scammer, resulting in direct financial loss.

Cyber Insurance may respond to losses arising from funds transfer fraud where a fraudulent electronic instruction causes a payment loss.

Cyber Insurance

Unauthorised access to your systems exposes client or business data, triggering response costs, regulatory obligations and legal claims.

Cyber Insurance may respond to breach response costs, legal expenses, damages and regulatory penalties arising from a data breach or privacy liability.

Management Liability

A digital business faces staff disputes, copyright claims, online content issues, fraud, or inquiry.

Management Liability may respond to employment, statutory, crime, tax audit and inquiry cost claims.

Professional Indemnity

A content, platform or campaign error causes client loss and a formal dispute over the quality of your professional services.

Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.

Technology Liability Insurance

The Risks

A system outage, cyber event or platform failure disrupts your operations and results in claims or losses for your business and clients.

Risks Response

Technology Liability Insurance may respond to claims arising from professional errors, cyber incidents and business interruption losses.

Funds Transfer Fraud

The Risks

A fraudulent email or spoofed instruction tricks your team into transferring funds to a scammer, resulting in direct financial loss.

Risks Response

Cyber Insurance may respond to losses arising from funds transfer fraud where a fraudulent electronic instruction causes a payment loss.

Cyber Insurance

The Risks

Unauthorised access to your systems exposes client or business data, triggering response costs, regulatory obligations and legal claims.

Risks Response

Cyber Insurance may respond to breach response costs, legal expenses, damages and regulatory penalties arising from a data breach or privacy liability.

Management Liability

The Risks

A digital business faces staff disputes, copyright claims, online content issues, fraud, or inquiry.

Risks Response

Management Liability may respond to employment, statutory, crime, tax audit and inquiry cost claims.

Professional Indemnity

The Risks

A content, platform or campaign error causes client loss and a formal dispute over the quality of your professional services.

Risks Response

Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.

Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

Products

Coverage for Technology, Media & Digital

Management Liability, IT Liability, and more for Technology, Media & Digital industry from leading insurers

Management Liability

Bundled insurance for executives and boards incl D&O, EPL, Statutory Liability and Tax Liability insurance

IT Liability

Covers Professional Indemnity and Public & Products liability for tech service providers

Intellectual Property

Covers claims from copyright, patent, and trademark disputes. This can be included in Professional Indemnity insurance

Cyber & Technology

Includes Professional Indemnity and Cyber & Technology Liability insurance for tech businesses

Claims examples

Common claims against Technology, Media & Digital

Real world examples to show how claims may arise for tech startups, media and digital businesses.

Data Privacy Complaint

SCENARIO

A client alleges their personal data was exposed due to a security issue and lodges a complaint with regulators, requiring legal support.

WHY IT’S COVERED

Cyber & Technology Insurance may respond to claims or regulatory investigations arising from privacy breaches or unauthorised access to data, including defence and associated legal costs.

Contract Dispute with Client

SCENARIO

A digital agency is accused of failing to deliver services in line with a contract. The client seeks compensation for project delays and additional costs.

WHY IT’S COVERED

Information Technology Liability Insurance may respond to claims alleging failure to perform services, errors or omissions in service delivery, or unintentional breach of contract, including defence costs.

Digital Content Dispute

SCENARIO

A media business publishes online content that a third party claims is defamatory. Legal action is taken against the business for reputational damage.

WHY IT’S COVERED

Information Technology Liability Insurance may respond to claims alleging defamation or other content-related liability arising from published material, including defence costs.

Software Service Failure

SCENARIO

A tech startup provides a platform used by clients to manage customer transactions. A system error causes extended downtime and a client claims lost revenue and operational costs.

WHY IT’S COVERED

Information Technology Liability Insurance may respond to claims alleging negligence, errors or omissions in the provision of technology services, including defence costs.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Manual handling damage

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

FAQs

Technology, Media & Digital insurance queries

How do I make a claim?

You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.

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How do I make a claim?

What is a Certificate of Currency?

A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.

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What is a Certificate of Currency?

How quickly do I need to report an incident to my insurer?

You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.

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How quickly do I need to report an incident to my insurer?

What is a retroactive date?

A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.

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What is a retroactive date?

Insight

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Coverage, risk management and compliance, explained in plain English.

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.

Insurance for Technology, Media & Digital

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Common claims against Technology, Media & Digital

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Technology, Media & Digital insurance queries

How do I make a claim?

How do I make a claim?

What is a Certificate of Currency?

What is a Certificate of Currency?

How quickly do I need to report an incident to my insurer?

How quickly do I need to report an incident to my insurer?

What is a retroactive date?

What is a retroactive date?

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