🇸🇪 Sweden
Länsförsäkringar AB (group of 23 regional mutuals) (Länsförsäkringar (Swedish mutual group))

Cyberförsäkring MER

by Länsförsäkringar AB (group of 23 regional mutuals)
B2BBDirectNIS2Sweden domesticSwedish
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Last updated 46143

Product Details§ 01

Max Insurance Limit
Up to SEK 5M per incident (varies by regional entity).
Min Premium / Revenue
No published minimum; SME to mid-market; included with most business insurance policies.
Market Focus
SME, MID
AM Best Rating
Not rated by AM Best.
MGA / Direct
No – Direct insurer (mutual group).
Policy Language
Swedish
NIS2 / DORA Support
NIS2 and DORA compliance advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Sweden domestic
Broker Only
No

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

Customer Contact
https://www.lansforsakringar.se/foretag/kundservice/forsakring/
24/7 Crisis Hotline
Dygnet-runt experthjälp ingår (24/7 expert support included); contact via local regional office.
Broker Contact
https://www.lansforsakringar.se/foretag/