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Construction Insurance Online Cyber Insurance Calculator

Estimate your cyber insurance needs with our Cyber Insurance Calculator. Calculate the right levels of cover to protect your business and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Cyber Insurance – Limit & Sublimits Estimator

Scope an appropriate overall limit and indicative sub‑limits for incident response, business interruption and cyber extortion. This is a planning tool — not a quote.

Business profile

Industry

Annual revenue ($) Use latest FY. Impacts BI and extortion sizing.

Estimated daily gross profit ($) A proxy for daily loss if systems are down (turnover × margin / 365).

Worst‑case downtime (days) How long you might be materially impacted after a major incident.

Data & payment exposure

Unique personal records stored Customers, patients, students, members, etc.

Sensitive data types

Payment cards processed (per year) SAQ‑D exposure drives higher third‑party costs (PCI/DSS).

Where are affected individuals located? Regulatory/notification costs rise with overseas exposure.

Security posture (controls)

MFA on email & admin?

Backups (tested & offline/immutable)?

Remote access exposure

Cyber incidents in last 3 years?

Contractual requirement (if any)

Minimum limit required Set by customers, partners, or contracts. Acts as a floor.

Key dependency Dependency affects BI risk if core systems go down.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Professionals Insurance Articles

The Role of Cyber Insurance in Safeguarding Construction Companies

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Contract Works Insurance is a pivotal coverage for businesses in the construction industry. This type of insurance is designed to protect building works against damage or loss during construction. It bridges the gap between starting a project and completing it, providing financial security in case something unexpected occurs. Whether it's a fire, theft, weather damage, or accidental damage during building, Contract Works Insurance has you covered. - read more

Insurance News

Mandatory Professional Indemnity Insurance for NSW Builders by 2026

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Registered building practitioners in New South Wales are facing a critical deadline to secure professional indemnity (PI) insurance by July 1, 2026, in accordance with the Design and Building Practitioners Act 2021. This legislation, which originally set a 2025 enforcement date, has been extended by 12 months to allow the industry additional time for preparation. - read more

ICA Calls for Comprehensive Reforms in Queensland's Insurance and Building Sectors

29 Jan 2026: Paige Estritori

The Insurance Council of Australia (ICA) has recently submitted a series of recommendations to the Queensland Productivity Commission, aiming to reform the state's construction and insurance sectors. These proposals are designed to enhance the resilience of the built environment and improve the affordability of insurance for Queensland residents. - read more

Rising Mental Health Claims Impact Construction Insurance Costs

29 Jan 2026: Paige Estritori

Australia's construction industry is facing a significant challenge as mental health claims among workers continue to rise, leading to increased insurance costs and complex risk management issues. Recent data indicates that approximately 20% of construction workers have experienced mental health conditions, highlighting the urgency for industry stakeholders to address this growing concern. - read more

Claim Central Property Ceases Operations Amid Industry Pressures

21 Jan 2026: Paige Estritori

Claim Central Property, a prominent player in the Australian property claims management sector, has recently entered voluntary administration, ceasing its operations. This development underscores the mounting pressures within the construction and insurance industries, characterised by escalating costs and persistent supply chain disruptions. - read more

Proposed Building Code Reforms Aim to Mitigate Water Leak Issues

21 Jan 2026: Paige Estritori

Engineers Australia has recently expressed strong support for proposed amendments to the National Construction Code (NCC) aimed at mitigating water leaks, which are identified as the predominant cause of defects in apartment and commercial buildings. This endorsement underscores the critical need for enhanced standards to address a pervasive issue that has significant financial and structural implications. - read more

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Knowledgebase

Insurance Policy Excess:
The amount you will have to contribute when you make a claim.

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