SEGURO CYBER RISKS
SEGURO CYBER RISKS is a cyber insurance product underwritten by Generali Seguros S.A. (Generali Tranquilidade) (Generali group (Italy)), available in Portugal. It is aimed at small and medium-sized businesses and mid-market companies. Coverage limits reach up to Bespoke per risk.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 6 bundled proactive services — Vulnerability scanning, Risk assessment, Incident response and Risk platform / portal, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A (Excellent) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It can be approached directly through the provider.
Product Details§ 01
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.
- All businesses connected to the internet; data-intensive businesses.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is SEGURO CYBER RISKS designed for?
SEGURO CYBER RISKS by Generali Seguros S.A. (Generali Tranquilidade) targets small and medium-sized businesses and mid-market companies in Portugal. Geographic scope: Portugal..
+What proactive security services are included with SEGURO CYBER RISKS?
The policy bundles 6 proactive services: Vulnerability scanning, Risk assessment, Incident response, Risk platform / portal, Pre-breach advisory and Crisis management. These preventive services are typically included in the premium.
+Does SEGURO CYBER RISKS help with NIS2 or DORA compliance?
Generali Seguros S.A. (Generali Tranquilidade) indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy SEGURO CYBER RISKS in Portugal?
You can approach Generali Seguros S.A. (Generali Tranquilidade) directly (https://www.generalitranquilidade.pt/empresas/seguros/outras-ofertas/cyber-risks tania.donoso@generali.com) or via the provider's website. Compare it with alternatives in Portugal on Ryskly first.