MAPFRE España, Compañía de Seguros y Reaseguros S.A. (MAPFRE S.A. (Spain))
CIBER On
by MAPFRE España, Compañía de Seguros y Reaseguros S.A.
B2BADirectNIS2Broker onlyEU / EEASpanish
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Up to €10M (CIBER On); bespoke above.
Min Premium / Revenue
Autónomos and SMEs with turnover up to €10M.
Market Focus
Micro-SME and SME.
AM Best Rating
A (Excellent) – AM Best
MGA / Direct
No – Direct insurer.
Policy Language
Spanish
NIS2 / DORA Support
NIS2 and DORA compliance advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
EU / EEA.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- CIBER On — standalone SME and autónomo cyber product, launched 2021, actively maintained 2024/2025.
- Targeted at autónomos and SMEs with annual turnover up to €10 million.
- Coverage: first-party IT system damage, business interruption, cyber extortion/ransomware (ransom and recovery costs), third-party privacy RC (data breach liability, GDPR fines and notifications), multimedia and advertising liability, legal defence costs, reputational PR support.
- Employee data protection coverage included.
- AI-powered risk analysis (partnership with Cyberwrite for underwriting and risk prevention).
- Registered in INCIBE's national cybersecurity catalog (Instituto Nacional de Ciberseguridad).
- Spain's #2 insurer by total premiums (€8.587B in 2024); global presence in 40+ countries.
- Net profit 2024: €1.59 billion (MAPFRE Group); strong Iberia segment performance.
Limitations
- CIBER On: turnover cap of €10M (separate product/pricing for larger firms).
- Antivirus software requirement: must be installed at least one month before inception.
- Monthly backup requirement.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
24/7 technical support line included in policy documentation.
Broker Contact