Cyberversicherung KMU
Cyberversicherung KMU is a cyber insurance product underwritten by UNIQA Österreich Versicherungen AG (UNIQA Insurance Group AG (Austria)), available in Austria. It is aimed at small and medium-sized businesses and mid-market companies. Coverage limits reach up to Up to €500,000.. Policyholders get 2 bundled proactive services — Vulnerability scanning and Incident response — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It can be approached directly through the provider.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Coverage: BI loss from cyber damage, data breach RC, data privacy and confidentiality breach, cyber extortion, IT forensics, legal and PR crisis costs.
- Two tiers: (1) KMU (Cyberversicherung as optional module in Betriebsversicherung, up to €100K); (2) Industrie (individual risk questionnaire, bespoke limits).
- Industry product: web-based risk questionnaire → personalised risk report highlighting vulnerabilities; then bespoke coverage structure.
- IR partner network: T-Systems Austria (IT forensics), Schönherr Rechtsanwälte (legal), Pantarhei (PR crisis).
- UNIQA: Austria's #1 insurer by market share (non-life leader); active CEE-wide.
Limitations
- KMU module: maximum €100K per claim (low for complex incidents).
- Industrie product requires full underwriting questionnaire.
- Austria domestic product primarily.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Cyberversicherung KMU designed for?
Cyberversicherung KMU by UNIQA Österreich Versicherungen AG targets small and medium-sized businesses and mid-market companies in Austria. Geographic scope: Domestic only..
+What proactive security services are included with Cyberversicherung KMU?
The policy bundles 2 proactive services: Vulnerability scanning and Incident response. These preventive services are typically included in the premium.
+Does Cyberversicherung KMU help with NIS2 or DORA compliance?
UNIQA Österreich Versicherungen AG indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy Cyberversicherung KMU in Austria?
You can approach UNIQA Österreich Versicherungen AG directly (https://www.uniqa.at/versicherung/unternehmen/) or via the provider's website. Compare it with alternatives in Austria on Ryskly first.