PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO)
PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO) is a cyber insurance product underwritten by PZU SA (Powszechny Zakład Ubezpieczeń S.A.) (Powszechny Zakład Ubezpieczeń S.A. (state-controlled, Poland)), available in Poland. It is aimed at micro-companies and sole traders, small and medium-sized businesses, mid-market companies and large enterprises. Coverage limits reach up to Up to PLN 5M (self-service); bespoke above.. Policyholders get 2 bundled proactive services — Incident response and Crisis management — 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 is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Covers: cyber attack response and recovery, data breach/GDPR notification costs (supervisory authority notification, legal advice, third-party correspondence), BI loss, cyber extortion/ransom, third-party RC for data breach and network security failures, PCI-DSS penalty coverage.
- Broker self-service platform (mojaFirma.pzu.pl) available from Oct 2025 — three premium variants auto-generated based on revenue; available for firms up to PLN 100M (~€23M) revenue.
- Corporate version available for larger enterprises (separate underwriting engagement).
- SME-accessible entry pricing with PLN 2,500 deductible.
- Poland's #1 insurer: 27% non-life and 44% life market share; state-controlled since 1803 roots.
- Product closely aligned with London market wording, per PZU's own description.
Limitations
- Antivirus and firewall required in full network as policy condition.
- Minimum weekly backup required; no outages >4h or incidents in last 24 months.
- No AM Best rating for PZU SA (state-controlled entity — Fitch rates the group A-).
- Self-service capped at PLN 100M revenue; larger clients require individual underwriting.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO) designed for?
PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO) by PZU SA (Powszechny Zakład Ubezpieczeń S.A.) targets micro-companies and sole traders, small and medium-sized businesses, mid-market companies and large enterprises in Poland. Geographic scope: EU / EEA..
+What proactive security services are included with PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO)?
The policy bundles 2 proactive services: Incident response and Crisis management. These preventive services are typically included in the premium.
+Does PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO) help with NIS2 or DORA compliance?
PZU SA (Powszechny Zakład Ubezpieczeń S.A.) indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO) in Poland?
PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO) is sold through insurance brokers — broker contact: https://mojafirma.pzu.pl/. Compare it with alternatives in Poland on Ryskly before approaching a broker.