🇪🇪 Estonia
If P&C Insurance AS (Estonia) (Sampo Group (Finland))

Küberõnnetuste kindlustus (Cyber Insurance)

by If P&C Insurance AS (Estonia)
B2BA+DirectNIS2Domestic onlyEstonian
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Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Bespoke.
Market Focus
All sizes; all industries.
AM Best Rating
A+ (Superior) – AM Best (If P&C / Sampo Group)
MGA / Direct
No – Direct insurer.
Policy Language
Estonian
NIS2 / DORA Support
NIS2 and DORA compliance advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Domestic only.
Broker Only
No

Advantages & Limitations§ 02

Advantages

  • If CyberInsurance: Scandinavia's leading cyber insurer; consistent product platform across Norway, Sweden, Finland, Estonia, Latvia and Lithuania.
  • Coverage: cyber attack response, data breach RC, BI loss, data recovery, ransomware/extortion, GDPR notification costs, third-party network security and privacy liability, legal costs.
  • If P&C: Sampo Group subsidiary; #1 P&C insurer in the Nordic and Baltic region by premium volume.
  • Local language policies and local claims handling in each country.

Limitations

  • Baltic domestic product.
  • Small market — limited domestic capacity.

Contact & Response§ 03

Customer Contact
https://www.if.ee/arikliendile/
24/7 Crisis Hotline
Via policy documentation.
Broker Contact
https://www.if.ee/arikliendile/