Tawuniya – The Company for Cooperative Insurance (التعاونية) (The Company for Cooperative Insurance (Tawuniya) — Saudi state-linked)
Cyber Insurance (تأمين المخاطر الإلكترونية)
by Tawuniya – The Company for Cooperative Insurance (التعاونية)
B2BA-Direct—Broker onlyMENA / GCCArabic
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Bespoke (SAR).
Market Focus
All sizes; government, energy, financial services, healthcare.
AM Best Rating
A- (Excellent) – AM Best (Tawuniya)
MGA / Direct
No – Direct insurer.
Policy Language
Arabic / English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
MENA / GCC.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- #1 insurer in Saudi Arabia (27.49% P&C market share, Q3 2024). Saudi Arabia cyber market: $127.8M USD (2024); 18.47% CAGR projected. March 2025: NCA (National Cybersecurity Authority) announced mandatory cyber insurance requirements for all critical infrastructure operators. January 2025: SAMA enhanced cybersecurity regulations for financial institutions — minimum cyber coverage equivalent to 2% of digital assets value. Vision 2030 digital transformation: 250% increase in Middle East cyberattacks (2024). Coverage: ransomware, data breach, BI, regulatory fines under PDPL (Personal Data Protection Law, fully enforced Sep 2024), SAMA ECC/NCA controls compliance. February 2025: Zurich Insurance established dedicated cyber hub in Riyadh (signals rising demand).
Contact & Response§ 03
Customer Contact
920001177 / https://www.tawuniya.com.sa/
24/7 Crisis Hotline
920001177 (24/7 Tawuniya claims line).
Broker Contact