Topdanmark A/S (Topdanmark A/S (Denmark))
Cyberforsikring (Erhverv)
by Topdanmark A/S
B2BBDirectNIS2Broker onlyDomestic onlyDanish
Last updated 07.05.2026
Product Details§ 01
Max Insurance Limit
Up to DKK 1M
Min Premium / Revenue
Revenue threshold -above DKK 10M.
Min premium - DKK 1140
Market Focus
Micro, SME, Mid-market, Large
AM Best Rating
Not rated by AM Best.
MGA / Direct
No – Direct insurer.
Policy Language
Danish
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
Yes
Advantages & Limitations§ 02
Advantages
- Coverage: IT system recovery and data reconstruction, BI loss, ransomware/extortion (net banking theft covered up to DKK 3,515,490), GDPR/data breach notification costs, legal and PR costs.
- Scalable: policy adapts to company size.
- First Danish insurer to launch a cyber product for private individuals (market innovation).
- Topdanmark: Denmark's #2 P&C insurer (Moody's rated; ~25% Danish P&C market share).
- Listed on Nasdaq Copenhagen.
Limitations
- Primarily Danish domestic market.
- No appetite for:
- Public authorities;
- Financial companies;
- Utilities;
- Companies that have been previously denied a similar insurance.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
Via policy documentation (Topdanmark cyber team 24/7).
Broker Contact