Cyber-Versicherung
Cyber-Versicherung is a cyber insurance product underwritten by Baloise Versicherung AG (Switzerland) (Helvetia Baloise Group (Switzerland) — formerly Baloise Group), available in Switzerland. It is aimed at small and medium-sized businesses, mid-market companies and large enterprises. Coverage limits reach up to Bespoke.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 2 bundled proactive services — Incident response and Crisis management — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A (Excellent) – AM Best. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Baloise cyberassurance PME: three-tier SME product (ECO / SMART / TOP); both first-party and third-party coverage across all tiers.
- First-party coverage: malware removal, data recovery and software restoration, extra costs (overtime/alt systems), BI loss, cybervol and payment traffic fraud, goods redirection fraud.
- Third-party coverage: RC liability for info security breach, IT system downtime, data loss, hacking, IP violation, data protection and secrecy breach, PCI Payment Card Industry non-compliance penalties.
- Assistance module (all tiers): forensic analysis costs, data breach notification, crisis management and PR, legal/administrative proceedings, cyber extortion including ransom (up to CHF 50,000 sub-limit; police involvement required).
- Expert partners: Swisscom (information security, multi-site Swiss network) and GU Sicherheit (crisis management, crisis communication, risk management).
- Update guarantee: product improvements automatically extended to existing policyholders at no extra cost.
- Part of Helvetia Baloise group (merger completed Q4 2025): second-largest Swiss insurance group; combined business volume CHF ~20B.
- nDSG/BACS compliance advisory included; BACS 24-hour cyber incident reporting obligation (critical infrastructure, since 2025) addressed.
Limitations
- Swiss domestic product (Baloise/Helvetia Baloise group).
- Cyber extortion/ransom covered only with police involvement; sub-limit up to CHF 50,000 (optional).
- Standard exclusions: pre-existing faults, wilful acts by insured, war/state-actor exclusions apply.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Cyber-Versicherung designed for?
Cyber-Versicherung by Baloise Versicherung AG (Switzerland) targets small and medium-sized businesses, mid-market companies and large enterprises in Switzerland. Geographic scope: Domestic only..
+What proactive security services are included with Cyber-Versicherung?
The policy bundles 2 proactive services: Incident response and Crisis management. These preventive services are typically included in the premium.
+Does Cyber-Versicherung help with NIS2 or DORA compliance?
Baloise Versicherung AG (Switzerland) indicates the following NIS2/DORA support for this product: Not applicable (nDSG compliance advisory included)..
+How can I buy Cyber-Versicherung in Switzerland?
Cyber-Versicherung is sold through insurance brokers — broker contact: https://www.baloise.ch/de/unternehmen/versicherungen/cyberversicherung.html. Compare it with alternatives in Switzerland on Ryskly before approaching a broker.