🇫🇮 Finland
Pohjola Insurance Ltd. (OP Financial Group (Finland))

Cyber Insurance (OP
Pohjola)

by Pohjola Insurance Ltd.
B2BADirectNIS2Domestic onlyFinnish
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Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Bespoke.
Market Focus
All sizes; all industries.
AM Best Rating
A (Excellent) – AM Best (OP Financial Group / Pohjola)
MGA / Direct
No – Direct insurer.
Policy Language
Finnish
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

  • Coverage: cyber attack response and recovery, data breach costs, BI loss, legal and GDPR notification costs, ransomware, third-party RC.
  • Pohjola Insurance: Finland's #1 non-life insurer (Finland market leader).
  • Part of OP Financial Group — Finland's largest banking and financial services group (digitalisation-led distribution via OP bank network).
  • Active digital transformation: Accenture partnership (2025) for Guidewire cloud migration to accelerate product innovation and improve cyber coverage offerings.

Limitations

  • Finland domestic product.
  • Bank-integrated distribution via OP branches and advisors.

Contact & Response§ 03

Customer Contact
https://www.op.fi/en/corporate-customers/insurance
24/7 Crisis Hotline
Pohjola Claim Help (24/7 via policy).
Broker Contact
https://www.op.fi/en/corporate-customers/insurance