No Office, No Servers—No Insurance? Think Again

Across Australia, more businesses are operating without offices or in-house servers, choosing cloud-based platforms instead. Remote and flexible work has accelerated this switch for thousands of SMEs.

While that shift reduces physical risks, it introduces new ones that traditional insurance often overlooks. Think digital asset loss, business interruption, supply chain dependencies. Depending on third-party providers, such as AWS, Azure, or Google Cloud, leaves you with fewer tangible assets. However, that doesn’t remove exposure to things like data breaches, outages, or regulatory investigations. Last year the Office of the Australian Information Commissioner (OAIC) reported a record high number of notifiable data breaches – 1,113.

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