Baloise Versicherung AG (Switzerland) (Helvetia Baloise Group (Switzerland) — formerly Baloise Group)
Cyber-Versicherung
by Baloise Versicherung AG (Switzerland)
B2BADirect—Broker onlyDomestic onlyGerman
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Bespoke.
Min Premium / Revenue
SME-focused; no published minimum premium. Three tiers (ECO/SMART/TOP) available.
Market Focus
All sizes; all industries.
Coverage
Cyber crime / FTF
AM Best Rating
A (Excellent) – AM Best (Baloise Group)
MGA / Direct
No – Direct insurer.
Policy Language
German / French / Italian
NIS2 / DORA Support
Not applicable (nDSG compliance advisory included).
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Domestic only.
Broker Only
Yes
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
24/7 Crisis Hotline
00800 24 800 800 (freephone, 24/7) / +41 58 285 28 28 (international)