Seguro Ciberriesgos
Seguro Ciberriesgos is a cyber insurance product underwritten by MAPFRE España, Compañía de Seguros y Reaseguros S.A. (MAPFRE S.A. (Spain)), available in Spain. It is aimed at micro-companies and sole traders and small and medium-sized businesses. Coverage limits reach up to Up to €10M (CIBER On); bespoke above.. Policyholders get 1 bundled proactive service — Vulnerability scanning — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A (Excellent) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
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
Frequently asked questions§ 04
+Who is Seguro Ciberriesgos designed for?
Seguro Ciberriesgos by MAPFRE España, Compañía de Seguros y Reaseguros S.A. targets micro-companies and sole traders and small and medium-sized businesses in Spain. Geographic scope: EU / EEA..
+What proactive security services are included with Seguro Ciberriesgos?
The policy bundles 1 proactive service: Vulnerability scanning. These preventive services are typically included in the premium.
+Does Seguro Ciberriesgos help with NIS2 or DORA compliance?
MAPFRE España, Compañía de Seguros y Reaseguros S.A. indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy Seguro Ciberriesgos in Spain?
Seguro Ciberriesgos is sold through insurance brokers — broker contact: https://www.mapfre.es/empresas/seguro-ciberriesgos/. Compare it with alternatives in Spain on Ryskly before approaching a broker.