Smarter cyber insurance for families.

Emergence is an award-winning underwriting agency solely focused on providing flexible, innovative insurance solutions in the event of a cyber attack.

We offer Australia’s first stand-alone cyber insurance product for families and individuals.

Be at your best with Emergence.

Terms, conditions, limits and exclusions apply to the product(s) referred above. Emergence Insurance Pty Ltd (‘Emergence’) distributes the product(s) as agent for the insurer, certain underwriters at Lloyd’s. Product(s) can only be purchased through a broker. Any advice contained in this brochure is general advice only and has been prepared without taking into account your client’s objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the Important Information and Policy Wording available at before deciding to acquire, or to continue to hold, the product(s).

Cyber insurance for families

Today, technology is part of our everyday lives. Whether it’s how we communicate, purchase items and/or coordinate our family’s busy schedule, we are heavily reliant on technology.

Our dependence on the internet, and the exponential growth of web-enabled devices and social media, has resulted in people being much more interconnected. And that’s introduced new risks into
our homes and everyday lives that must be managed.

Emergence Personal Cyber Insurance is about more than the bits and bytes in your laptop, tablets and smart devices. It covers you, your family, your identity, your reputation, your money and your time (wage replacement) when a cyber event occurs.

As “tech’ continues to infiltrate our lives, protecting yourself and your family against cyber risks has never been more important. Take the time and make the effort: diligence makes a difference. And for extra peace of mind, make Personal Cyber Protection Insurance part of your household’s cyber risk mitigation and recovery strategy. Just in case….

Cyber extortion (ransomware)

Attacks or threatened attacks against your home IT infrastructure, coupled with demands for money to stop attacks.

Cyber extortion (ransomware)

The unauthorised access to and use of your identity because of a cyber event to your home IT.


Malicious or unauthorised home IT infrastructure access or malware that aims to gain control of systems.

Personal financial loss

Loss of funds due to cyber theft. Also includes charges or costs incurred by you due to sim-jacking or crypto-jacking.


Electronic communication through your home IT that targets your child or teenage family member with the aim of tormenting, harassing, humiliating or otherwise targeting them

Wage replacement benefit

Payment of lost wages as a result of taking unpaid leave in reponse to a cyber theft, sim-jacking, identity theft, cyberbullying or cyberstalking


Malicious use of your home IT to stalk, abuse, control or frighten you.

Repair to e-reputation costs

The removal or mitigation of internet publications that defame your reputation.

Emergence Personal Cyber Protection Insurance includes:

Key features includes cover for cyber events such as:


Cyber espionage

Denial of service attacks

Cyber theft

Identity theft, and more

Beyond the technical side of cyber threats, social
media can also become a breeding ground for

anti-social behaviour. That’s why the product also

responds to:


Cyber harassment

Cyber event response costs

Credit and identity monitoring
Cyber extortion (ransomware)

Data restoration costs

– Data securing costs

Legal costs

Incident response solution

24/7/365 hotline