It Takes One Click to Be at Risk.

And One Policy to be covered.

Cyber Insurance for your business

Cybercrime is a growing threat in South Africa, and businesses of all sizes are at risk; from hacking and ransomware to denial-of-service attacks. iTOO’s Cyber Insurance gives you access to expert guidance, technical support, and financial protection to help you respond, recover, and keep your business secure if an incident occurs.

Over

1 Billion

emails were exposed in 2023

the average ransom paid in South Africa.

R 0 M

of South African respondents were hit by ransomware.

0 %

of noted cyber incidents involved Business Email Compromise (BEC).

0 %

Why could your business be a target?

Cybercriminals don’t just go after large corporations. Smaller businesses are often targeted because they tend to have fewer security defences in place. If your business stores customer data or depends on digital tools for communication, transactions, or operations, you could be at risk—regardless of your size or industry.

Why do you need insurance if your security is strong?

Even with advanced firewalls, encryption, and up-to-date technology, cyber incidents can still happen. Human error, like a misplaced device or accidental data exposure, is one of the most common causes of breaches. Cyber Insurance helps protect your business financially and operationally when things slip through the cracks.

Real Risks.
Real Cover.

Hacking

Unauthorised access to your systems and data.

Cyber Extortion & Malware

Threats like ransomware, viruses, or the publishing of stolen data.

Denial of Service (DoS)

Attacks that disrupt your operations or make your systems unavailable.

Downstream Liability

When your systems are compromised and cause harm to others (e.g., clients or suppliers).

Insider Misuse

When employees or service providers misuse access to data or systems.

Physical Theft & Loss

Lost or stolen devices, or physical documents containing sensitive information.

Third-Party Access Risks

Threats that arise when external partners access your digital environment.

Third-Party Access Risks

Threats that arise when external partners access your digital environment.

What's Included

Regulatory fines: Fines imposed by a government regulatory body due to an information privacy breach.
Business interruption: Loss of income and increased cost of working as a result of a systems security incident.
Data restoration: Costs to restore, re-collect or replace data lost, stolen or corrupted due to a systems security incident.
Cyber extortion: Costs to investigate and mitigate a cyber extortion threat. Where required, costs to comply with a cyber extortion demand.
Theft of Funds: • Unrecoverable loss of money, belonging to or for which the Insured is legally responsible, as a direct result of a breach by a third party.
• Money transferred after receiving a fraudulent payment instruction and following proper verification process
•Cryptocurrency losses are excluded
Physical damage: Costs to replace or repair direct physical damage of tangible property belonging to or rented, leased or hired by you as a direct result of a system security incident. e.g. hacker turns off a water pump which causes material damage – because the causation was a hack traditional policy would not trigger but a cyber policy could respond
Payment card industry fines and penalties: Cover for direct monetary fines, penalties, assessments, chargebacks, reimbursements and fraud recoveries which you become legally obligated to pay in terms of a merchant services agreement as a direct result of a network security breach resulting from non-compliance with PCI-DSS. Reasonable costs to demonstrate your ability to prevent a future breach as required by your merchant services agreement.

Privacy breach liability:
Defence and settlement of liability claims arising from compromised information.
Network security liability: Defence and settlement of liability claims resulting from a system security incident affecting systems and data as well as causing harm to third-party systems and data.
Media liability: Defence and settlement of liability claims resulting from digital content (including social media or online content) such as: Defamation; Unintentional copyright infringement; or Unintentional infringement of right to privacy.

Costs to respond to the incident, including:

Obtain professional (legal, public relations and IT forensics) advice, including assistance in managing the incident, co-ordinating response activities, making representation to regulatory bodies and coordination with law enforcement;
perform incident triage and forensic investigations, including IT experts to confirm and determine the cause of the incident, the extent of the damage including the nature and volume of data compromised, how to contain, mitigate and repair the damage, and guidance on measures to prevent reoccurrence;
for crisis communications and public relations costs to manage a reputational crisis, including spokesperson training and social media monitoring; for communications to notify affected parties; and
for remediation services such as credit and identity theft monitoring to protect affected parties from suffering further damages.

Contact us for more information

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