COGITANDA Cyber Insurance (DGC)
COGITANDA Cyber Insurance (DGC) is a cyber insurance product underwritten by COGITANDA Dataprotect AG (a DGC AG company) (DGC AG (Deutsche Gesellschaft für Cybersicherheit)), available in Austria. It is aimed at small and medium-sized businesses and mid-market companies. Coverage limits reach up to Up to €7.5M (mid-market, €100M–€250M revenue); SME segment bespoke.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 10 bundled proactive services — Vulnerability scanning, Penetration testing, Training & awareness and Threat intelligence, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of SME capacity: Württembergische, SV Sparkassenversicherung, Versicherungskammer Bayern (all German regulated insurers). Mid-market: Everest Insurance (A+ S&P) + IQUW Lloyd's Syndicate (A+ S&P).. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- COGITANDA: one of Germany's first specialist cyber insurers; founded 2016; acquired by DGC AG (March 2025) from insolvency via asset deal; fully operational and accepting new business as of March 2025.
- DGC AG (Deutsche Gesellschaft für Cybersicherheit): one of Germany's leading IT security providers; unique combined offering of prevention, monitoring, insurance, and crisis management — first of its kind in Germany.
- DGC cyberscan.io®: continuous monitoring of security vulnerabilities; early detection platform.
- DGC Penetration Testing: simulated cyber attacks by expert team to minimise risk.
- DGC Security Awareness Training: employee education and sensitisation.
- DGC Cyber Defence Operation Center (CDOC): 24/7 monitoring and incident response — strengthened post-acquisition with COGITANDA's former IR team.
- Coverage: SME (turnover up to €100M) via Württembergische, SV Sparkassenversicherung, Versicherungskammer Bayern; mid-market (turnover €100M–€250M) via Everest Insurance (A+) and IQUW Lloyd's Syndicate (A+). Policy limit up to €7.5M for mid-market segment.
- Coverage includes: data breach, BI, ransomware/extortion, cyber crime, privacy liability, regulatory fines, data recovery, crisis management, identity theft, reputational damage.
Limitations
- Post-insolvency acquisition — new management under DGC; operational continuity confirmed but some broker uncertainty remains regarding long-term stability.
- Germany and Austria only (confirmed markets).
Contact & Response§ 03
Frequently asked questions§ 04
+Who is COGITANDA Cyber Insurance (DGC) designed for?
COGITANDA Cyber Insurance (DGC) by COGITANDA Dataprotect AG (a DGC AG company) targets small and medium-sized businesses and mid-market companies in Austria. Geographic scope: Germany and Austria..
+What proactive security services are included with COGITANDA Cyber Insurance (DGC)?
The policy bundles 10 proactive services: Vulnerability scanning, Penetration testing, Training & awareness, Threat intelligence, MDR / EDR, Risk assessment, Incident response, Risk platform / portal, Pre-breach advisory and Crisis management. These preventive services are typically included in the premium.
+Does COGITANDA Cyber Insurance (DGC) help with NIS2 or DORA compliance?
COGITANDA Dataprotect AG (a DGC AG company) indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy COGITANDA Cyber Insurance (DGC) in Austria?
COGITANDA Cyber Insurance (DGC) is sold through insurance brokers — broker contact: https://dgc.org/cogitanda-und-dgc/. Compare it with alternatives in Austria on Ryskly before approaching a broker.