Cyberförsäkring MER
Cyberförsäkring MER is a cyber insurance product underwritten by Länsförsäkringar AB (group of 23 regional mutuals) (Länsförsäkringar (Swedish mutual group)), available in Sweden. It is aimed at small and medium-sized businesses and mid-market companies. Coverage limits reach up to Up to SEK 5M per incident (varies by regional entity).. Policyholders get 6 bundled proactive services — Vulnerability scanning, Training & awareness, Threat intelligence and Incident response, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of Not rated by 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
- Länsförsäkringar: group of 23 regional mutual insurance companies; largest composite insurer in Sweden; 4M+ customers; Sverige-ägd (customer-owned); no external shareholders.
- 24/7 expert support included across all tiers (dygnet runt, hela året — 24 hours, 365 days).
- 2025: cyber insurance strengthened in partnership with Safestate — preventive tools against cyber attacks for businesses and farms; preventive advice and compensation at breach.
- Löpande sårbarhetskontroll av hemsida (continuous vulnerability scanning of website) included.
- Övervakning av lösenord för en domän (password/credential monitoring for one domain) included.
- Backup — online backuplagring (online backup storage) included.
- Ghost — avindexering från upplysningstjänster med kontinuerlig övervakning (de-indexing from data broker services with continuous monitoring) included.
- Månadsbrev med cyberinsikter (monthly newsletter with cyber insights) included.
- Terms and prices vary by regional entity (23 regional mutuals — Bergslagen, Blekinge, Dalarna, Göteborg etc.).
- Cyberförsäkring MER: mid-tier; broader coverage than BAS; standalone or add-on.
- Coverage (all BAS features plus): business interruption (avbrottsersättning), extended crisis management (utökad krishantering), network security liability (nätverkssäkerhet), third-party liability coverage for data breach.
- Website vulnerability scan: monthly (månadsvis) vs every 6 months for BAS.
- Ransom payments: Länsförsäkringar confirmed policy of not covering ransom demands (lösensummor) — not included.
Limitations
- Terms and prices vary by 23 regional mutual entities.
- Ransom payments (lösensummor) not covered — LF group policy.
- Sweden domestic market.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Cyberförsäkring MER designed for?
Cyberförsäkring MER by Länsförsäkringar AB (group of 23 regional mutuals) targets small and medium-sized businesses and mid-market companies in Sweden. Geographic scope: Sweden domestic.
+What proactive security services are included with Cyberförsäkring MER?
The policy bundles 6 proactive services: Vulnerability scanning, Training & awareness, Threat intelligence, Incident response, Risk platform / portal and Crisis management. These preventive services are typically included in the premium.
+Does Cyberförsäkring MER help with NIS2 or DORA compliance?
Länsförsäkringar AB (group of 23 regional mutuals) indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy Cyberförsäkring MER in Sweden?
You can approach Länsförsäkringar AB (group of 23 regional mutuals) directly (https://www.lansforsakringar.se/foretag/kundservice/forsakring/) or via the provider's website. Compare it with alternatives in Sweden on Ryskly first.