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Acceptance requirements · supply chain risk · supervision
In recent years cyber insurance has changed from an optional extra into a policy with entry requirements. Anyone who does not meet those requirements no longer gets a quote.
Deze pagina in het Nederlands: Cyberverzekering in 2025: van optie naar noodzaak.
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The market has become stricter in recent years. Where a cyber policy used to be arranged on the basis of a short questionnaire, insurers now assess measures: multi-factor authentication on all access from outside, back-ups kept separate from the network and demonstrably restored, a patching process with a deadline, restrictions on administrator rights and detection on workstations. An organisation that does not meet these does not get cover but a refusal or an exclusion for the part that is not in order. What the policy covers is set out on the hub page cyber insurance.
The reason for that tightening lies in the claims picture. Attacks are aimed less at stealing data and more at bringing processes to a halt: encrypted systems, an order line that is not running, a schedule that has disappeared. The risk is also shifting towards the chain. Organisations outsource their administration, hosting and software management, so that one incident at a service provider hits dozens of customers at once. Your own network may then be untouched while your turnover stops; whether that is included is not in the brochure but in the policy conditions.
Supervision is changing as well. The European NIS2 directive is being implemented in the Netherlands in the Cyberbeveiligingswet (the Dutch cyber security act) and imposes a duty of care and a duty to report on organisations in designated sectors, with responsibility reaching up to board level. For personal data the duty to report already applied under Article 33 of the GDPR, with a report to the regulator in principle within 72 hours, and Article 34 for informing those concerned where there is a high risk. Insurance does not take over those obligations; it does mean that lawyers and investigators are available immediately who know what has to happen within those 72 hours.
This page deals with one situation. The full overview is on Compare business cyber insurance.
Four developments that determine how an application is assessed today.
Answers about authentication, back-ups and updates are part of the contract. If the answer does not match reality at the time of application, that engages Article 7:928 of the Dutch Civil Code on the duty of disclosure and Article 7:930 of the Dutch Civil Code on its consequences. Do not have the list filled in by the board on the basis of impressions, but by the person who manages the network, and keep the supporting evidence with the policy file.
The largest item of loss is usually not a fine or a claim, but turnover that falls away during recovery. So look at the waiting period before compensation starts, at the maximum indemnity period and at whether additional costs of continuing to work are included. Work out what a week of downtime means before you look at the premium; that sum determines what cover you need.
What remains uninsurable is administrative fines and penalty payments, damage caused by acts of war and attacks attributed to state actors, the costs of overdue maintenance on outdated systems that you should have replaced anyway, and loss of customers or market value. An incident that was already running before the start date also falls outside the cover; that is why insurers ask about known vulnerabilities and earlier incidents.
An error in software you built for a customer is a professional error and belongs on a professional indemnity insurance. Injury or damage to property suffered by third parties belongs on the public and employers' liability insurance. Personal complaints against directors after an incident may end up on a directors' and officers' liability insurance . Three policies that touch on each other; record which one is primary.
Insurers weigh these details differently. That is why comparing pays off.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Forensic investigation and the report to the Autoriteit Persoonsgegevens (the Dutch data protection authority) | Yes | Yes |
| Restoring and rebuilding encrypted systems after a ransomware attack | Yes | Yes |
| Turnover lost on the days your order line is at a standstill | Provided that | Yes |
| An invoice your accounts department paid after a forged email from the director | No | Provided that |
| An outage at your hosting provider while your own network was untouched | No | Provided that |
| A fine from the regulator after the data breach has been investigated | No | No |
The most expensive item is usually the interruption, and that is precisely what appears as a separate section with its own waiting period in the policy.
The questions we are asked most often about this.
No, there is no statutory duty to insure. Legislation and, increasingly, clients do impose obligations around security, reporting and demonstrable ability to recover. Tenders and framework contracts now regularly require cyber cover as a condition of award. The practical need follows from your dependence on systems, not from a rule.
Partly. Your supplier is responsible for his infrastructure, but you remain responsible for access management, user rights and the data itself. The contractual liability of cloud services is, moreover, often tightly capped. If the service fails, you carry the interruption while there is technically nothing you can do; so look expressly at the cover for failure of an external service provider.
Call the emergency number on the policy before you wipe or reinstall systems yourself; doing so destroys traces needed for the investigation and for the report. Isolate affected systems, leave the back-ups alone and record times. Reporting should be done as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires, and the GDPR report runs to its own deadline alongside that.
Often not, or only with an exclusion for those systems. Software that no longer receives security updates is, to insurers, a known and manageable risk that belongs with you. Take stock of which components are out of support and plan their replacement before you apply; that is usually cheaper than the loading or the excess that would otherwise be set against it.
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