Cyberforsikring (Bedrift)
Cyberforsikring (Bedrift) is a cyber insurance product underwritten by Gjensidige Forsikring ASA – Denmark Branch (Gjensidige Forsikring ASA (Norway)), available in Denmark. It is aimed at micro-companies and sole traders, small and medium-sized businesses and mid-market companies. Coverage limits reach up to Bespoke.. Policyholders get 1 bundled proactive service — Incident response — 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 is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Coverage: cyber attack response and investigation, data recovery and system restoration, BI loss (full and partial), ransomware/extortion, third-party RC (data breach, privacy), GDPR supervisory notification costs.
- Updated product wording post-June 2024; continuous improvement cycle.
- Gjensidige: leading Nordic P&C insurer (Norway, Denmark, Sweden); DKK ~7B+ GWP in Denmark (2025).
- Combined ratio Denmark 96.2% (Q4 2024); strong financial position.
- Also active in Norway (same product: cyberforsikring.no).
Limitations
- Nordic/Scandinavian focus.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Cyberforsikring (Bedrift) designed for?
Cyberforsikring (Bedrift) by Gjensidige Forsikring ASA – Denmark Branch targets micro-companies and sole traders, small and medium-sized businesses and mid-market companies in Denmark. Geographic scope: Domestic only..
+What proactive security services are included with Cyberforsikring (Bedrift)?
The policy bundles 1 proactive service: Incident response. These preventive services are typically included in the premium.
+Does Cyberforsikring (Bedrift) help with NIS2 or DORA compliance?
Gjensidige Forsikring ASA – Denmark Branch indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy Cyberforsikring (Bedrift) in Denmark?
Cyberforsikring (Bedrift) is sold through insurance brokers — broker contact: https://www.gjensidige.dk/erhverv/. Compare it with alternatives in Denmark on Ryskly before approaching a broker.