🇪🇪 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 07.05.2026

Küberõnnetuste kindlustus (Cyber Insurance) is a cyber insurance product underwritten by If P&C Insurance AS (Estonia) (Sampo Group (Finland)), available in Estonia. It is aimed at small and medium-sized businesses, mid-market companies and large enterprises. Coverage limits reach up to Three tiers: up to €5K, up to €20K, up to €50K.. The carrier holds an AM Best rating of A+ (Superior) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It can be approached directly through the provider.

Product Details§ 01

Max Insurance Limit
Three tiers: up to €5K, up to €20K, up to €50K.
Min Premium / Revenue
No revenue threshold published
Market Focus
SME, Mid-market, Large
AM Best Rating
A+ (Superior) – AM Best
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.
  • Coverage focused on data recovery.

Contact & Response§ 03

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

Frequently asked questions§ 04

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Who is Küberõnnetuste kindlustus (Cyber Insurance) designed for?

Küberõnnetuste kindlustus (Cyber Insurance) by If P&C Insurance AS (Estonia) targets small and medium-sized businesses, mid-market companies and large enterprises in Estonia. Geographic scope: Domestic only..

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Does Küberõnnetuste kindlustus (Cyber Insurance) help with NIS2 or DORA compliance?

If P&C Insurance AS (Estonia) indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..

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How can I buy Küberõnnetuste kindlustus (Cyber Insurance) in Estonia?

You can approach If P&C Insurance AS (Estonia) directly (https://www.if.ee/ariklient/kontakt) or via the provider's website. Compare it with alternatives in Estonia on Ryskly first.