Cyber property damage coverage
When a cyber event compromises your physical property and products, not just your systems.
Overview product description
Cyber incidents can affect more than networks and data.
As businesses increasingly rely on connected technology to manage facilities, equipment, inventory, and operations, cyber events can have physical consequences, including property damage, operational disruption, and spoiled or unsellable perishable goods.
QBE’s QCyber Protect helps organizations navigate these emerging exposures.
This is through a comprehensive suite of solutions that provide support when a cyber event results in physical damage, business interruption, third-party liability arising from contingent bodily injury or property damage, or the spoilage and loss of stock and inventory.
Comprehensive suite of cyber property damage coverage
QBE now offers a comprehensive suite of protections for property damage caused by a covered cyber event.
Ensuing property damage and business interruption coverage
Coverage for physical damage to covered property resulting from a malicious cyber event, together with ensuing business interruption loss.
Contingent bodily injury and property damage
Coverage for liability claims arising out of bodily injury or property damage caused by a covered cyber event.
Perishable goods coverage
Coverage for the inventory write-off of stock following a business interruption event where perishable goods spoil or become unsellable.
Together these cyber property damage enhancements can provide brokers and customers with an enhanced solution for addressing the growing physical consequences of cyber risk.
All products and services are provided by QBE Insurance Group Limited or its subsidiaries (“QBE”) or by QBE’s selected third party vendors and may be subject to additional terms and conditions, limitations and disclaimers [available on request]. Services provided by QBE are not intended to constitute any financial or professional advice tailored to your circumstances and may not have been prepared with detailed knowledge of your systems or the risks to your business, and do not cover all possible situations or actions necessary to respond to a cyber security incident. QBE does not make any guarantees regarding outcomes, such as reduced claim exposure or that a product or service will meet your unique needs. You are responsible for using your independent judgment to assess the advice provided and this does not replace the advice of legal counsel or cyber security professionals in preparing for, or responding to, a cyber security incident. QBE is not liable or responsible for services provided by its third party vendors. QBE and the chain links logo are registered trade marks of QBE Insurance Group Limited and third party marks are duly licensed. © 2026 QBE Insurance Group Limited.