Cyber Insurance in Portugal
Compare 14 cyber insurance products available in Portugal. All data verified directly from providers.
| Country↑ | Company / Product | Max Insurance Limit | Services | AM Best | NIS2 | Channel | Broker | ||
|---|---|---|---|---|---|---|---|---|---|
| Portugal | Allianz Commercial (AGCS SE) – Portugal BranchCyber Risk Insurance | Bespoke. | BGrade B (Proactive)+ Vulnerability scanning+ Training & awareness+ Risk assessment+ Incident response+ Crisis management | A+ | NIS2 | Direct | No | → | |
| Portugal | Beazley Insurance dac – Portugal BranchBeazley BBR (Full Spectrum Cyber) | Bespoke. | AGrade A (Integrated)+ Vulnerability scanning+ Training & awareness+ MDR / EDR+ Risk assessment+ Incident response+ Risk platform / portal+ Pre-breach advisory+ Crisis management | A | NIS2 | Direct | Yes | → | |
| Portugal | Chubb European Group SE – Portugal BranchCyber Enterprise Risk Management (Cyber ERM) | Bespoke. | SGrade S (Best-in-class)+ Vulnerability scanning+ Phishing simulation+ MDR / EDR+ Risk assessment+ Incident response+ Pre-breach advisory+ Crisis management+ Crisis simulation+ 3rd party risk assessment | A++ | NIS2 | Direct | No | → | |
| Portugal | Generali Seguros S.A. (Generali Tranquilidade)SEGURO CYBER RISKS | Bespoke per risk. | BGrade B (Proactive)+ Vulnerability scanning+ Risk assessment+ Incident response+ Risk platform / portal+ Pre-breach advisory+ Crisis management | A | NIS2 | Direct | No | → | |
| Portugal | HDI Global SEHDI Cyber+ | 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 | → | |
| Portugal | Hiscox PortugalCyberClear 360 | Up to €2.5M (SME); bespoke above. | CGrade C (Emerging)+ Training & awareness+ Incident response | A | NIS2 | Direct | Yes | → | |
| Portugal | QBE Insurance Europe Limited – Spain Branch (serving Portugal)QCyberProtect | Bespoke. | AGrade A (Integrated)+ Phishing simulation+ Threat intelligence+ Risk assessment+ Incident response+ Risk platform / portal+ Crisis management+ Crisis simulation | A | NIS2 | Direct | Yes | → | |
| Portugal | 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 | → | |
| Portugal | 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 | → | |
| Portugal | 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 | → | |
| Portugal | Swiss Re Corporate Solutions Ltd. – Ibero-America BranchPrimary Cyber (SRCS) | Up to USD/EUR 30M primary capacity. | CGrade C (Emerging)+ Threat intelligence+ Incident response+ Cyber risk engineering | A+ | NIS2 | Direct | Yes | → | |
| Portugal | Swiss Re Corporate Solutions Ltd. – Ibero-America 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 | → | |
| Portugal | Travelers Syndicate 5000 (Lloyd's)Travelers CyberRisk (Lloyd's Syndicate 5000) | Bespoke; Lloyd's capacity; international risks. | BGrade B (Proactive)+ Vulnerability scanning+ Incident response+ Risk platform / portal+ Crisis management | A++ | NIS2 | Direct | Yes | → | |
| Portugal | Zurich Insurance Europe AG – Portugal 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 Portugal
Portugal has 14 cyber insurance products listed on Ryskly, offered by 12 providers including Allianz Commercial (AGCS SE) – Portugal Branch, Beazley Insurance dac – Portugal Branch, Chubb European Group SE – Portugal Branch, Generali Seguros S.A. (Generali Tranquilidade), HDI Global SE and 7 more. 2 products are underwritten via managing general agents (MGAs).
Of these, 6 cover cyber crime and funds-transfer fraud, 3 combine cyber with Tech E&O. 13 products signal NIS2/DORA compliance support. 6 target small and medium-sized businesses, while 11 serve mid-market and large enterprises.
The most common bundled proactive services in Portugal are incident response, cyber risk assessment, pre-breach advisory, vulnerability scanning, crisis management — preventive tooling insurers include to reduce the chance of a claim.
Frequently asked questions
+Which companies offer cyber insurance in Portugal?
14 cyber insurance products are currently available in Portugal from 12 providers, including Allianz Commercial (AGCS SE) – Portugal Branch, Beazley Insurance dac – Portugal Branch, Chubb European Group SE – Portugal Branch, Generali Seguros S.A. (Generali Tranquilidade), HDI Global SE, Hiscox Portugal and 6 more. Ryskly lists coverage details, limits and contacts for each, verified directly from provider materials.
+Can small businesses get cyber insurance in Portugal?
Yes — 6 of the 14 products in Portugal explicitly target small and medium-sized businesses, and 2 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 Portugal support NIS2 and DORA compliance?
13 of 14 products in Portugal 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 Portugal?
Beyond claims coverage, insurers in Portugal commonly bundle preventive services: incident response (13 products), cyber risk assessment (9 products), pre-breach advisory (8 products), vulnerability scanning (7 products), crisis management (7 products). These services reduce breach probability and are typically included at no extra cost.
+How financially strong are the cyber insurers in Portugal?
14 of the 14 listed products in Portugal are backed by carriers holding an AM Best rating in the A range, of which 4 are rated A+. AM Best ratings measure an insurer's ability to pay claims.
+Can I buy cyber insurance in Portugal directly, or do I need a broker?
3 of 14 products in Portugal are available directly from the insurer, while 11 are sold only through brokers. Each product page on Ryskly shows the relevant contact route.