Get multiple cyber insurance quotes, fast.

Emergence, Agile and Blue Zebra are three leading underwriters that each have their own cyber insurance policies that have their own pro's and con's. Our experienced broking team are always here to explain the differences for you and to consider your circumstances as each policy may have slightly different benefits over the other, depending on your circumstances. Generally speaking we've prepared a table to outline key differences, but importantly this isn't financial advice and it's best to speak to our team directly if you have specific questions, scenarios you'd like to ensure are covered, or certain requirements, limits, contractual obligations and more that you may be aiming to solve with this insurance. Once you've got your quote, you can checkout, but you can also call us and discuss in more detail.

Emergence, Agile and Blue Zebra are the underwriters, and UpSure is the broker. The broker is the company that's authorised to work directly with the client, provide advice in relation to the policies, consider your circumstances and make recommendations as to which may be the best coverage type for you and any other complexities like limits, exclusions, endorsements etc. There's a range of things that brokers consider, and our aim is to always be of assistance in plain english, without the jargon. The underwriter is ultimately the firm that's carrying the risk, and the one who pays out in the event of a claim. The underwriters chosen as part of this offer are all highly regarded, have long and successful histories and known as some of the leaders in the cyber insurance market. Over time we may add more, and as UpSure we deal with a number of others who we really like, but in this automated flow, these are our first three.

If terms are offered, then the insurance can be put in place same day providing it's not a weekend or public holiday. Once the coverage is in place you'll be given the option to pay annually in full, or you can pay in instalments. This is known as premium funding. For full insight into how premium funding works, you can read the section below.

UpSure work with a range of premium funders, who help clients by splitting the annual policy into instalments, typically 10 instalments over the year, so for example a $1500, may be broken into 10 instalments of $150 + the fee's, charges and interest rates that the premium funder would charge, typically 8-10% on an annual policy, so to carry through the example, perhaps $165 as the monthly fee. Whilst this is just a rough guide, your invoice and premium funding quote will give you the final numbers.

The short answer is yes! We'll need to review your current circumstances and levels of coverage but we can review for you at no cost and it looks good, but you'd like to move across to us anyway we can arrange a letter of appointment.

Lodging claims is easy and can be done by calling our 1800 number, emailing us, or submitting a claim through the UpSure portal. Whichever way you do it, we're here to support you every step of the way, and because we're a broker, not the insurer we work directly with you to try and manage the claim together as best we can. We've already had a number of claims paid out for all kinds of scenarios over the past few years and have received excellent reviews from founders for our unwavering support and commitment during the process. Claims are never fun, but they're exactly why you put coverage in place, and for us we enjoy helping at this difficult and stressful time so you can focus on continuing to grow your business.

UpSure fee's and commission are two part, there's usually a small nominal broker fee that covers the costs associated with running our platform and then the commission on the policy itself. This is all laid out and itemised in our proposals as it's a compliance requirement, but also great too because of the transparency it brings. When it comes to claims there are no fee's to us. There may be the excess on your policy that may be due directly to the insurer, but that depends on each type of policy in place and something we can happily guide you through when choosing the right policies at the start.

Feel free to reach out anytime hello@upsure.com.au, or 1800 270 999.