CYBER INSURANCE
FOR GYMS, FITNESS CENTRES, MARTIAL ARTS CLUBS
BUSINESSES COVERED -
We can arrange Cyber cover for virtually any business across most sectors through our online portal quoting system linked below
TAILORED COVER COVER IF YOU NEED IT
Tailoring a package for your business may be appropriate and its great to go through all the areas where you maybe exposed. available to protect your small business with vital coverage against cyber threats and data breaches.
Ransomware
Human error is a major contributor to businesses being hacked so training staff is vital to reduce these incidents.
WHAT IS ACTUALLY COVERED
Network Interruption
If you suffer a cyber event that causes a network interruption resulting in a loss of income, your losses can be insured up to the value on your policy. This includes your network that is under the control of a service provider.
Cyber Deception
If you sustain a direct monetary loss from social engineering fraud, you can cover the value of goods or monies transferred which occur as a direct result of a cyber deception event up to the value on the policy.
Data Recovery
If you have to undergo data recovery, restoration or
re-collection due to a cyber event, the insurer can pay for the recovery costs up to the value on the policy.
Information security and privacy liability
You can be indemnify for the damages awarded against you for an actual or suspected cyber event. Also included is the cover related to defence, investigation and settlement costs up to the value on the policy.
There are a lot more inclusions to the policy that you can ready up or have one our team discuss it with you.
NEW PRIVACY LAWS
COMBINED WITH A DATA BREACH COULD BE THE END
OF A BUSINESS
In Australia, martial arts clubs, gyms, and wellness centres are now legally categorised as HEALTH SERVICE PROVIDERS (HSP)
The moment you collect an injury waiver, a pre-exercise questionnaire, or a student's medical history, you are handling Sensitive Health Data.
The Office of the Australian Information Commissioner (OAIC) has now shifted to a more proactive compliance audits to protect consumers from having their sensitive health data exposed. If a hacker breaches your system, or an unauthorized person leaks your data, the consequences are immediate and severe receiving an
Infringement Notices Issued!
You can also be fined for just not having a
Compliant Privacy Policy clearly available on your website.
FINDING THE SOLUTION
The Real Cost of Non-Compliance
On-the-spot OAIC Fines: From $3,960 for a person and $19,800 for a club (based upon minimal pentalty unit) for immediate procedural breaches (like lacking a complaint-handling mechanism or an appropriate privacy policy).
Direct Lawsuits: Under the current statutory tort laws, your members can directly sue Instructors for emotional distress or recreate new ID data or if their personal / health details are leaked, even if they haven't suffered a financial loss.
Asset Exposure: Most Vulnerable: Instructors operating as Sole Traders or Partnerships. A severe data breach and subsequent civil lawsuits can target an instructor's personal home, car, and life savings.
The Most Protected: Instructors operating within a Proprietary Limited (Pty Ltd) Company or a Family Trust structure.
A
Cyber insurance
policy will protect everyone from fines and member compensation immediately, even without compliance. Meet the compliance of the insurer's critical tasks and get up to 15% off a policy.
THIS 3 MINUTE VIDEO WILL BRING YOU UP TO SPEED
DO YOU NEED CYBER INSURANCE?
In 2026, it is practically essential. Here is why:
Forensics: Most gyms don't have the IT staff to find out how the hacker got in or if they are still there. Insurance pays for the "digital detectives" to secure the perimeter.
Extortion/Ransom: If a hacker locks your member portal and demands money, insurance handles the negotiation and recovery.
Legal & PR: It covers the cost of notifying thousands of members and the legal defense if members launch a class action.
Recouping Data: It pays for the restoration of backups and systems so the business can actually open its doors the next day.
HOW CAN YOU REDUCE THE COST OF AN POLICY?
1. Lower your risk of a potential hack by following / implementing the Insurer's Security Protocols.
2. Be OAIC compliant
3. Have an existing liability policy with us
HOW MUCH CAN YOU SAVE?
Up to 15% of the Cyber policy and an addtional multi-policy discount, if you have other insurances.
WHAT WILL YOU ALSO GET?
You will One Hour Free Personalised Security Training with your cyber policy. You will be continuous informed of industry changes that may affect you.
Cccess to further learning material to keep you ahead of compliance.
HOW LONG DOES IT TAKE TO GET CYBER COVER IN PLACE?
Generally it is the same day or next day
WHAT IS THE COST OF A GYM CYBER INSURANCE POLICY?
Prices vary based upon numerous factors including:
-the club's revenue,
-their website,
-how many staff
-what software they use, if any
WHAT IF A CLUB DOESN'T MEET THE GUIDLINES?
Even if a club doesn't initially meet the compliance criteria or the insurer's guidelines, we can assist the club, to quickly meet them.
Contact Us
WHAT DOES CYBER INSURANCE COVER?
The System Damage
If there is damage to the policy holder’s computer systems due to malware or a Cyber Event, we will pay the costs incurred in retrieving, repairing or replacing the computer system and/or any computer records that were on the computer system.
Business Interruption
If there is business interruption as a direct result of a Cyber Event, they will cover losses incurred after 12 hours.
Personal Reputation Cover
They will pay for any Personal Reputation cost to the Policyholder, incurred as a direct result of a Cyber Event that has impacted the reputation of the Policyholder’s staff.
Brand Protection Cover
They will pay for any Public Relations Costs incurred to avert or mitigate damage to the Policyholder’s reputation or its commercial brands caused by a Claim, Cyber Event or Loss that is covered under this policy.
Cyber Extortion Cover
They will cover Cyber Extortion costs arising from a security threat first made against the Policyholder. This will include paying a ransom if ransomware is activated on the Policyholder’s computer systems. Any costs will only be paid in accordance with applicable laws, and will be paid under the direction of, and be subject to, the cooperation with any relevant criminal enforcement or other authority.
Reward Expenses Cover
They will cover any reward expense paid to a third party for information leading to a conviction of an indictable offence arising out of a Cyber Event.
Privacy Breach Notification & Loss Mitigation
They will cover Privacy Breach Costs incurred as a direct result of a Claim, Cyber Event or Loss.
Privacy Fines & Investigations
They will cover, to the extent they are permitted to by law, any fine or penalty payable as a direct result of a breach of the policy holder’s privacy obligations and/or regulatory investigation.
Member Litigation For Compensation
They will cover the defence costs of a claim from members of the club/gym seeking compensation from Directors.
Social Engineering Fraud
Covers loss as a direct result of Social Engineering, Phishing or Phreaking.
Computer Crime
This covers loss by reason of transferring, paying or delivering any funds or property, establishing any credit, debiting any account or giving any value directly caused by the fraudulent input, fraudulent destruction, or fraudulent modification of electronic data.
Push Payment Fraud
In the event of fraudulent electronic communications or websites designed to impersonate the Insured or any of the Insured’s products , We will pay for the cost of creating and issuing a specific PR release, the cost of reimbursing the Insured’s existing clients for their Loss arising from the fraudulent communications, the Insured’s Direct Loss of Profit and/ or the reasonable costs and expenses associated with the removal of the website(s).
Contingent Business Interruption
They will reimburse the Insured for a Contingent Business Interruption Loss as a result of an interruption to the Insured’s Business arising directly out of a System Failure or Cyber Event directly impacting a Service Provider.
Generative Artificial Intelligence
They will pay for the costs to repair, restore, or replace the Insured’s AI systems and any related computer records if they are destroyed, altered, erased, or lost as a result of a cyber event, including Data Poisoning.
Disclaimer
This is Not Formal Legal or Compliance Advice:
The information here does not constitute formal legal advice. Privacy laws, including the Privacy Act 1988 (Cth) and rules enforced by the OAIC, are highly complex, open to interpretation and subject to change. Businesses should have their documents reviewed by a qualified legal professional specializing in Australian privacy law and plan their own operational strategies with a specialised consultancy or lawyer. If you don't have a specialist lawyer we can assist you in arranging one for you.
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