Cyber insurance Company
77% of SMEs fell victim to cybercrime, with an average of €270,000 in damage per incident. Protect your business against ransomware, data breaches, phishing and other cyber threats. Not if, but when you are attacked!
🛡️ Premium indication 2025
77%
of SME victims of cybercrime
€270,000
average damage per incident
1 in 5
companies attacked in 2024
€20 million
maximum GDPR fine possible
Cyber insurance for Companies
A Cyber insurance protects your business against the financial consequences of cyber attacks. By Ransomware and data leaks to Phishing and DDoS attacks – the insurance covers both your own damage and claims from third parties.
In addition to financial compensation, you will also receive: actual help: 24/7 access to IT specialists, forensic investigators, lawyers and crisis managers to limit the damage and get your company back up and running quickly.
Why is SME Vulnerable?
Many entrepreneurs think that their business too small is to be interesting to hackers. That's one misconception! SMEs in particular are affected more often because their security is often less mature.
Hackers use automated tools to detect vulnerabilities: outdated software, weak passwords, missing updates. The question is not or you are under attack, but when!
Cyber Threats to Your Business
The most common cyber attacks that SMEs face.
ransomware
Files are encrypted and only released after payment of a ransom. Average €150,000+ damage.
phishing
Fake emails to steal passwords, banking details or access to systems. Most common attack.
Data breach
Customer data on the street due to hack or human error. Reporting obligation to the Dutch Data Protection Authority + fines.
DDoS attack
Website or systems shut down due to overload. Loss of turnover and damage to reputation.
Malware & Viruses
Malicious software that infects systems, steals or destroys data.
CEO fraud
Scammers pose as directors and have employees transfer money.
Identity theft
Corporate identity or customer data is misused for fraud.
Phone hack
Attack on telephone exchange with high costs for expensive foreign calls.
🛡️ What does Cyber Insurance cover?
Extensive coverage for all consequences of a cyber incident.
Own damage
Recovery costs for websites, programs and data. Replacement of damaged systems. Costs for reconstruction of lost data.
Business downtime
Loss of turnover during the incident. Compensation for temporary closure. Extra costs to keep the business running.
Damage to third parties
Claims from customers whose data has been leaked. Liability for spreading viruses. Invasion of privacy of relationships.
Forensic investigation
Costs of IT specialists to determine the cause. Analysis of the attack. Advice on recovery and prevention.
Legal costs
Lawyer's fees for claims or proceedings. Legal assistance with GDPR investigation. Defense against fines.
Crisis management & PR
Communication with customers and media. Reputation repair and PR campaigns. Notifications to supervisors.
Extortion & ransom
Ransomware negotiation assistance. In some cases, ransom compensation. Expertise from security specialists.
Call Center & Customer Service
Additional customer support after incident. Call center costs. Communication to those involved.
Fraud & Theft
Compensation for fraudulent transfers. Theft of money through cybercrime. CEO fraud coverage.
Choose the insured amount
Choose the insured amount that suits the size and risks of your company.
Basic
- ✓ Small companies up to €1 million turnover
- ✓ ransomware & malware
- ✓ Data breach & phishing
- ✓ Forensic investigation
- ✓ Legal costs
- ✓ 24/7 Crisis Management
Extensive
- ✓ SMEs up to €2.5 million turnover
- ✓ Everything from Basic
- ✓ Business downtime
- ✓ Damage to third parties
- ✓ Extortion & ransom
- ✓ Reputation restoration & PR
Premium
- ✓ Larger companies €2.5+ million
- ✓ Everything from Extensive
- ✓ Higher limits
- ✓ Fraud coverage extended
- ✓ Media costs covered
- ✓ Security Quick Scan
🆘 24/7 Assistance in the event of a Cyber Incident
Not just money, but actual expertise when you need it.
IT Specialists
Experts to restore your systems and stop the attack.
Forensic Investigators
Analysis of the attack: how, what and which data was hit.
Legal Experts
Lawyers for GDPR notification, claims and fine defense.
Crisis managers
PR experts for communication with customers and media.
AVG/GDPR and NIS2 Directive
Stricter rules make cyber insurance increasingly important.
📋 AVG/GDPR Obligations
The General Data Protection Regulation (GDPR) obliges companies to adequately protect personal data and report data breaches.
- ⚠️ Obligation to report data breach to the Dutch Data Protection Authority within 72 hours
- ⚠️ Fines of up to €20 million or 4% of global turnover
- ⚠️ Inform those involved if there is a high risk
- ⚠️ Maintain internal register of all data breaches
- ⚠️ Compensation to those involved is possible
🇪🇺 NIS2 Guideline (New)
The NIS2 guideline sets stricter requirements for cybersecurity for more and more sectors and companies. Directors become personally liable.
- ⚠️ Applies to 160,000+ companies in Europe
- ⚠️ Incident reporting required within 24 hours
- ⚠️ Personal liability of directors
- ⚠️ Appropriate security measures required
- ⚠️ Fines and sanctions for non-compliance
Covered and Not Covered
Know what your cyber insurance does and does not cover.
✓ Well covered
- ✓ Ransomware and ransomware
- ✓ Data leaks due to hack or human error
- ✓ Phishing and CEO fraud
- ✓ DDoS attacks and system outages
- ✓ Malware, viruses and trojans
- ✓ Data and systems recovery costs
- ✓ Business downtime and loss of turnover
- ✓ Claims from customers/third parties
- ✓ Forensic investigation
- ✓ Legal costs and defense
- ✓ Crisis management and PR
- ✓ Ransom payments (on some policies)
✗ Not Covered
- ✗ Damage with intent or fraud by yourself
- ✗ Known vulnerabilities not patched
- ✗ Damage without basic protection
- ✗ War and terrorism (cyber war)
- ✗ Physical damage to hardware
- ✗ Loss of intellectual property
- ✗ Long-term reputational damage
- ✗ Contractual penalties (not GDPR)
- ✗ Damage to unreported systems
- ✗ GDPR fines themselves (often not insurable)
Prevention: Prevent Cyber Attacks
Insurers often require basic security. Without these measures, no benefits!
Backups
Regular backups, preferably offline or in the cloud at a separate location.
Strong Passwords
Unique passwords + two-factor authentication (2FA) for all accounts.
Updates & Patches
Always keep software, firewalls and antivirus programs up to date.
Training Employees
Awareness: teach employees to recognize phishing and suspicious links.
Why Choose Us?
Cyber Specialist
Extensive experience with cyber insurance for SMEs.
24/7 Crisis Management
Direct access to IT experts, lawyers and crisis managers.
Up to €2,000,000 Coverage
High insured amounts for adequate protection.
GDPR/NIS2 Knowledge
Expertise in legislation and regulations surrounding cybersecurity.
Forensic investigation
Attack analysis included in all packages.
Security quick scan
Free security scan after taking out insurance.
100% Independent
We compare several insurers for the best deal.
50+ Years of Expertise
More than 50 years of experience in business insurance.
Frequently Asked Questions
Protect Your Business Against Cybercrime
It is not a question of if, but when. Compare cyber insurance now and be prepared!
