🇵🇱 Poland
PZU SA (Powszechny Zakład Ubezpieczeń S.A.) (Powszechny Zakład Ubezpieczeń S.A. (state-controlled, Poland))

PZU Cyber (Ubezpieczenie od ryzyk cybernetycznych i związanych z RODO)

by PZU SA (Powszechny Zakład Ubezpieczeń S.A.)
B2BBDirectNIS2Broker onlyEU / EEAPolish
Visit provider ↗
Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Up to PLN 5M (self-service); bespoke above.
Min Premium / Revenue
SME self-service: up to PLN 100M revenue. Enterprise: bespoke.
Market Focus
All sizes; all industries.
AM Best Rating
Not rated by AM Best. Fitch: A- IFS (PZU Group, stable).
MGA / Direct
No – Direct insurer.
Policy Language
Polish
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

  • 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

Customer Contact
https://www.pzu.pl/dla-firm-i-pracownikow/majatek-firmy-i-oc/majatek/ubezpieczenie-od-ryzyk-cybernetycznych
24/7 Crisis Hotline
24/7 via policy documentation (international IR panel).
Broker Contact
https://mojafirma.pzu.pl/