Cyber Insurance in Belgium
Compare 26 cyber insurance products available in Belgium. All data verified directly from providers.
| Country↑ | Company / Product | Max Insurance Limit | Services | AM Best | NIS2 | Channel | Broker | ||
|---|---|---|---|---|---|---|---|---|---|
| Belgium | AIG Europe S.A. – Belgium BranchCyberEdge | Bespoke. | AGrade A (Integrated)+ Vulnerability scanning+ Phishing simulation+ Training & awareness+ Threat intelligence+ Risk assessment+ Pre-breach advisory | A | NIS2 | Direct | Yes | → | |
| Belgium | Allianz Commercial (Allianz Benelux N.V.)Cyber Risk Insurance | Bespoke. | BGrade B (Proactive)+ Vulnerability scanning+ Training & awareness+ Risk assessment+ Incident response+ Crisis management | A+ | NIS2 | Direct | Yes | → | |
| Belgium | AXA BelgiumVerzekering cyberrisico | Up to €1M (SME); bespoke for larger risks. | CGrade C (Emerging)+ Incident response+ Crisis management | A+ | NIS2 | Direct | Yes | → | |
| Belgium | CFC Europe (Brussels)CFC Cyber – SME | Bespoke per risk; unlimited first-party reinstatements (new limit per claim). | SGrade S (Best-in-class)+ Vulnerability scanning+ Phishing simulation+ Training & awareness+ Threat intelligence+ MDR / EDR+ Incident response+ Risk platform / portal | A | NIS2 | MGA | Yes | → | |
| Belgium | CFC Europe (Brussels)CFC Corporate Cyber | Bespoke per risk; enterprise capacity; limits agreed per submission. | SGrade S (Best-in-class)+ Vulnerability scanning+ Phishing simulation+ Training & awareness+ Threat intelligence+ MDR / EDR+ Incident response+ Risk platform / portal | A | NIS2 | MGA | Yes | → | |
| Belgium | CFC Europe (Brussels)CFC Cyber Excess | Up to US$/£/€5M any one risk (excess layer); automatic reinstatement included as standard. | DGrade D (Entry)+ Incident response | A | NIS2 | MGA | Yes | → | |
| Belgium | Chubb European Group SE – BelgiumCyber Enterprise Risk Management (Cyber ERM) / DigiTech ERM / CyberEdge | Bespoke. | SGrade S (Best-in-class)+ Vulnerability scanning+ Penetration testing+ Phishing simulation+ Training & awareness+ MDR / EDR+ Risk assessment+ Incident response+ Pre-breach advisory+ Crisis management+ Crisis simulation+ 3rd party risk assessment | A++ | NIS2 | Direct | No | → | |
| Belgium | CyberContractCyber Insurance | Up to €10M; bespoke above. | AGrade A (Integrated)+ Vulnerability scanning+ Penetration testing+ Phishing simulation+ Training & awareness+ Risk assessment+ Incident response+ Crisis management | N/A | NIS2 | MGA | Yes | → | |
| Belgium | HDI Global SECyber-assurance | Bespoke; up to €15M. | SGrade S (Best-in-class)+ Vulnerability scanning+ Penetration testing+ Phishing simulation+ Training & awareness+ Threat intelligence+ MDR / EDR+ Risk assessment+ Incident response+ Risk platform / portal+ Pre-breach advisory+ Crisis management+ Cyber risk engineering+ Crisis simulation | A | NIS2 | Direct | Yes | → | |
| Belgium | Hiscox BelgiumCyberClear | Up to €2.5M (SME); Up to €25M (enterprise) | BGrade B (Proactive)+ Vulnerability scanning+ Training & awareness+ Incident response | A | NIS2 | Direct | Yes | → | |
| Belgium | KBC Insurance NVKBC Cyber Insurance | Bespoke. | DGrade D (Entry)+ Incident response | A | NIS2 | Direct | Yes | → | |
| Belgium | Mosaic Insurance Services Europe GmbHMosaic Cyber Insurance | Up to €25M per risk (primary or excess). | CGrade C (Emerging)+ Incident response+ Crisis management | A+ | NIS2 | Direct | Yes | → | |
| Belgium | Nirvana (London MGA) – UK/GlobalNirvana Cyber | Bespoke; primary and excess layers available. | CGrade C (Emerging)+ Training & awareness+ Incident response+ Pre-breach advisory | A+ | NIS2 | MGA | Yes | → | |
| Belgium | Nirvana (London MGA) – UK/GlobalNirvana MediaTech | Bespoke; primary and excess layers available. | CGrade C (Emerging)+ Training & awareness+ Incident response+ Pre-breach advisory | A+ | NIS2 | MGA | Yes | → | |
| Belgium | QBE Insurance Europe Limited – Belgium BranchQCyberProtect | Bespoke. | AGrade A (Integrated)+ Phishing simulation+ Threat intelligence+ Risk assessment+ Incident response+ Risk platform / portal+ Crisis management+ Crisis simulation | A | NIS2 | Direct | Yes | → | |
| Belgium | Resilience Cyber Insurance Solutions – BeNeLuxResilience Edge | Up to USD/EUR 5M. | CGrade C (Emerging)+ Threat intelligence+ Risk platform / portal+ Crisis management | N/A | NIS2 | MGA | Yes | → | |
| Belgium | Resilience Cyber Insurance Solutions – BeNeLuxResilience Cyber Insurance | Up to USD/EUR 20M; bespoke above. | CGrade C (Emerging)+ Threat intelligence+ Risk platform / portal+ Crisis management | N/A | NIS2 | MGA | Yes | → | |
| Belgium | RiskPoint Group A/SRiskPoint Cyber | Large line sizes available; bespoke per risk. | CGrade C (Emerging)+ Risk assessment+ Incident response+ Risk platform / portal+ Pre-breach advisory+ Cyber risk engineering | A | NIS2 | MGA | Yes | → | |
| Belgium | RiskPoint Group A/SRiskPoint Cyber Tech | Large line sizes available; bespoke per risk. | CGrade C (Emerging)+ Risk assessment+ Incident response+ Risk platform / portal+ Pre-breach advisory+ Cyber risk engineering | A | NIS2 | MGA | Yes | → | |
| Belgium | Starr Indemnity & Liability Company / Starr Surplus Lines Insurance CompanyCyber Risk Response / Cyber and Terror Response | Up to €20M | DGrade D (Entry)+ Pre-breach advisory | A | — | Direct | Yes | → | |
| Belgium | Stoïk – BelgiumAssurance Cyber / Cyberversicherung | Up to €10M; bespoke above. | BGrade B (Proactive)+ Phishing simulation+ Threat intelligence+ MDR / EDR+ Email security | N/A | NIS2 | MGA | Yes | → | |
| Belgium | Swiss Re Corporate Solutions Ltd. – Benelux and Nordics BranchPrimary Cyber (SRCS) | Up to USD/EUR 30M primary capacity. | CGrade C (Emerging)+ Threat intelligence+ Incident response+ Cyber risk engineering | A+ | NIS2 | Direct | Yes | → | |
| Belgium | Swiss Re Corporate Solutions Ltd. – Benelux and Nordics BranchCyber Excess Insurance (SRCS) | Up to USD/EUR 10M excess capacity; sits above primary policy. | CGrade C (Emerging)+ Threat intelligence+ Incident response+ Cyber risk engineering | A+ | NIS2 | Direct | Yes | → | |
| Belgium | Tokio Marine HCC International – BelgiumCyber Security Insurance | Up to €25M / USD 25M / £15M; bespoke above. | DGrade D (Entry)+ Pre-breach advisory | A++ | NIS2 | Direct | Yes | → | |
| Belgium | XL Insurance Company SE – Belgium Branch (AXA XL)CyberRiskConnect | Up to €15M; bespoke above. | CGrade C (Emerging)+ Incident response+ Risk platform / portal+ Pre-breach advisory+ Crisis management | A+ | NIS2 | Direct | Yes | → | |
| Belgium | Zurich Insurance Europe AG – Belgium BranchZurich Cyber Solution | Bespoke. | SGrade S (Best-in-class)+ Vulnerability scanning+ Penetration testing+ Phishing simulation+ Training & awareness+ MDR / EDR+ Risk assessment+ Incident response+ Pre-breach advisory+ Cyber risk engineering+ Crisis simulation+ 3rd party risk assessment | A+ | NIS2 | Direct | Yes | → |
Cyber insurance market in Belgium
Belgium has 26 cyber insurance products listed on Ryskly, offered by 20 providers including AIG Europe S.A. – Belgium Branch, Allianz Commercial (Allianz Benelux N.V.), AXA Belgium, CFC Europe (Brussels), Chubb European Group SE – Belgium and 15 more. 11 products are underwritten via managing general agents (MGAs).
Of these, 12 cover cyber crime and funds-transfer fraud, 4 combine cyber with Tech E&O, 2 address GenAI-related risks. 25 products signal NIS2/DORA compliance support. 15 target small and medium-sized businesses, while 19 serve mid-market and large enterprises.
The most common bundled proactive services in Belgium are incident response, security awareness training, pre-breach advisory, threat intelligence, crisis management — preventive tooling insurers include to reduce the chance of a claim.
Frequently asked questions
+Which companies offer cyber insurance in Belgium?
26 cyber insurance products are currently available in Belgium from 20 providers, including AIG Europe S.A. – Belgium Branch, Allianz Commercial (Allianz Benelux N.V.), AXA Belgium, CFC Europe (Brussels), Chubb European Group SE – Belgium, CyberContract and 14 more. Ryskly lists coverage details, limits and contacts for each, verified directly from provider materials.
+Can small businesses get cyber insurance in Belgium?
Yes — 15 of the 26 products in Belgium explicitly target small and medium-sized businesses, and 3 also cover micro-companies and sole traders. Small firms are a primary target for phishing and ransomware, so most insurers now offer SME-focused cyber policies.
+Do cyber insurers in Belgium support NIS2 and DORA compliance?
25 of 26 products in Belgium indicate support for NIS2 or DORA regulatory requirements — useful if your business falls under EU cybersecurity regulation or supplies companies that do.
+What proactive security services are included with cyber policies in Belgium?
Beyond claims coverage, insurers in Belgium commonly bundle preventive services: incident response (20 products), security awareness training (11 products), pre-breach advisory (11 products), threat intelligence (10 products), crisis management (10 products). These services reduce breach probability and are typically included at no extra cost.
+How financially strong are the cyber insurers in Belgium?
22 of the 26 listed products in Belgium are backed by carriers holding an AM Best rating in the A range, of which 9 are rated A+. AM Best ratings measure an insurer's ability to pay claims.
+Can I buy cyber insurance in Belgium directly, or do I need a broker?
1 of 26 products in Belgium are available directly from the insurer, while 25 are sold only through brokers. Each product page on Ryskly shows the relevant contact route.