Generali Seguros S.A. (Generali Tranquilidade) (Generali group (Italy))
SEGURO CYBER RISKS
by Generali Seguros S.A. (Generali Tranquilidade)
B2BADirectNIS2PortugalPortuguese
Last updated 46143
Product Details§ 01
Max Insurance Limit
Bespoke per risk.
Min Premium / Revenue
No published minimum; SME and commercial businesses; premium on application.
Market Focus
SME, MID; all businesses connected to the internet; data-intensive businesses.
Coverage
Cyber crime / FTF
AM Best Rating
A (Excellent) – AM Best
MGA / Direct
No – Direct insurer.
Policy Language
Portuguese
NIS2 / DORA Support
NIS2 and DORA compliance advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Portugal.
Broker Only
No
Advantages & Limitations§ 02
Advantages
- Generali Tranquilidade: brand of Generali Seguros S.A.; second-largest non-life insurer in Portugal; 150+ years history (founded 1871); 2,500+ agents nationwide; 2.1M+ customers.
- Seguro Cyber Risks: four coverage modules — Response Services, First-Party Damages, Third-Party Liability, Electronic Crime.
- Response services: IT forensic experts (establish breach extent), legal counsel (privilege, obligations), data breach notification, credit monitoring setup, PR support.
- First-party: BI loss from system failure or security breach, data recovery costs, system restoration, reputational harm expenses. Ransomware ransom reimbursement where legally permitted.
- Third-party liability: indemnification for claims arising from data security breach or privacy policy failure; regulatory fines and defence costs.
- Electronic crime: compensation for fraudulent funds transfer instructions; funds removed from bank accounts via unauthorised access.
- Vulnerability platform: access to platform analysing equipment vulnerabilities — pre-loss assessment included.
- Generali Seguros S.A. registered with ASF (nº 1197); part of Generali group (A – AM Best; 70M+ customers globally).
Limitations
- Agent/intermediary distribution; not direct online.
- Portugal domestic product (Generali Tranquilidade brand).
- NIS2 reporting obligations advisory included.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
IT expert support and legal counsel on claim; call centre support included.