In this episode, Will Freitas is joined by Andrew Sharbeen, Director of Codex Insurance, a specialist underwriting agency with deep expertise in technology and cyber risk. Codex focuses on delivering tailored insurance solutions for technology-driven businesses, with its flagship product TechShield combining IT liability and cyber insurance in one comprehensive policy.

Andrew breaks down what IT liability covers, why traditional monoline policies create dangerous gaps, and how Codex’s composite approach provides stronger protection.

He also shares real claims examples, the unique risks faced by MSPs, and the cyber risk management practices underwriters expect, including how to prepare and respond effectively to a breach.

Are you ready to Grow with Confidence?

In this episode, Will Freitas is joined by Andrew Sharbeen, Director of Codex Insurance, a specialist underwriting agency with deep expertise in technology and cyber risk. Codex focuses on delivering tailored insurance solutions for technology-driven businesses, with its flagship product TechShield combining IT liability and cyber insurance in one comprehensive policy.
Andrew breaks down what IT liability covers, why traditional monoline policies create dangerous gaps, and how Codex&rsquo;s composite approach provides stronger protection.
He also shares real claims examples, the unique risks faced by MSPs, and the cyber risk management practices underwriters expect, including how to prepare and respond effectively to a breach.
Are you ready to Grow with Confidence?

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.

This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers, and claim managers to share their experience and expertise.

Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.
This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers, and claim managers to share their experience and expertise.
Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

The Insurance Series

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.

This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers and claim managers to share their experience and expertise.

Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.
This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers and claim managers to share their experience and expertise.
Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

Combining IT Liability and Cyber Insurance 

In this episode of The Insurance Series, William Freitas speaks with Michael Joseph from Austbrokers Cyber Pro to discuss the current state of cyber insurance and the risks facing businesses in 2025. The conversation explores how cyber policies have developed, the key areas of coverage, and why understanding both data and system risks is essential for every organisation.

 

Michael provides practical insight into recent claim trends, including ransomware, data breaches, and funds transfer fraud, and highlights how incident response and claims management can significantly influence recovery outcomes. The episode also covers the growing regulatory focus on privacy, the role of preventative cyber measures, and how businesses can better prepare for and respond to cyber events.

 

Whether you’re a broker or business owner, are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas speaks with Michael Joseph from Austbrokers Cyber Pro to discuss the current state of cyber insurance and the risks facing businesses in 2025. The conversation explores how cyber policies have developed, the key areas of coverage, and why understanding both data and system risks is essential for every organisation.
&nbsp;
Michael provides practical insight into recent claim trends, including ransomware, data breaches, and funds transfer fraud, and highlights how incident response and claims management can significantly influence recovery outcomes. The episode also covers the growing regulatory focus on privacy, the role of preventative cyber measures, and how businesses can better prepare for and respond to cyber events.
&nbsp;
Whether you&rsquo;re a broker or business owner, are you ready to Grow with Confidence?

Managing business cyber risk and insurance

In this episode of The Insurance Series, William Freitas sits down with Anthony Anastasio from Everest Risk Group to unpack the complexities of property insurance and Industrial Special Risk (ISR) policies. They explore how business owners can structure comprehensive commercial property insurance programs, manage exposures such as EPS construction materials, and use risk engineering and quantity surveying to minimise underinsurance.

 

They also discuss practical insights on disaster recovery planning, claims preparation, and how proactive risk management helps businesses secure better results when losses occur.

 

Whether you’re a broker or business owner, are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas sits down with Anthony Anastasio from Everest Risk Group to unpack the complexities of property insurance and Industrial Special Risk (ISR) policies. They explore how business owners can structure comprehensive commercial property insurance programs, manage exposures such as EPS construction materials, and use risk engineering and quantity surveying to minimise underinsurance.
&nbsp;
They also discuss practical insights on disaster recovery planning, claims preparation, and how proactive risk management helps businesses secure better results when losses occur.
&nbsp;
Whether you&rsquo;re a broker or business owner, are you ready to Grow with Confidence?

Property Insurance and Industrial Special Risks

In this episode of The Insurance Series, William Freitas sits down with Amanda Smith from Optimum Insurance to discuss the intricacies of medical malpractice insurance and how insurance advisers can help clients in the health and allied services sector manage professional risk.

 

They explore what medical malpractice covers, common claims scenarios, and the importance of understanding the difference between claims-made and occurrence-based policies. The discussion also delves into how insurers assess risks in areas such as aged care, disability support and paramedical services, and why subcontractor management and risk controls are critical to maintaining effective cover.

 

Listeners will gain practical insights into policy structures, coverage limitations, and how to ensure clients are properly protected against allegations of negligence or misconduct in an evolving healthcare environment.

 

Are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas sits down with Amanda Smith from Optimum Insurance to discuss the intricacies of medical malpractice insurance and how insurance advisers can help clients in the health and allied services sector manage professional risk.
&nbsp;
They explore what medical malpractice covers, common claims scenarios, and the importance of understanding the difference between claims-made and occurrence-based policies. The discussion also delves into how insurers assess risks in areas such as aged care, disability support and paramedical services, and why subcontractor management and risk controls are critical to maintaining effective cover.
&nbsp;
Listeners will gain practical insights into policy structures, coverage limitations, and how to ensure clients are properly protected against allegations of negligence or misconduct in an evolving healthcare environment.
&nbsp;
Are you ready to Grow with Confidence?

Combining IT Liability and Cyber Insurance

The Insurance Series

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The Insurance Series

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