Worth examining
A multi-day outage, data loss, or liability event would materially affect operations or reserves.
Check 5 questionsSource-based decision guidance for Swiss businesses
Does cyber insurance make sense?
In short: yes, when a realistic cyber incident would materially affect operations or liquidity. Probably not when you can reliably absorb the loss yourself. If MFA, tested backups, or an incident plan are missing, close those gaps first.
Updated: July 2026 Sources reviewed · Swiss businesses
Where does your business stand?
Five questions provide an initial, non-binding assessment. They do not replace individual advice.
More likely optional
Realistic follow-on costs can be funded internally and sensitive data or third-party duties are limited.
Frame the costSecure the basics first
MFA, tested offline backups, patching, or an incident plan are not yet in place.
Read the basics firstSelf-check
Frame the risk before comparing quotations.
Five questions are not individual insurance advice, but they provide a robust first direction.
Make the economic decision
Three checks. In this order.
A policy is neither automatically useful nor automatically redundant. The economic answer combines risk, readiness, and contract.
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Can you absorb the loss?
Estimate interruption, recovery, external experts, notifications, and liability. Financial resilience matters as much as incident probability.
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Are you insurable?
MFA, tested backups, patching, and an incident plan reduce losses and influence underwriting. A policy cannot compensate for missing basics.
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Does the policy cover the scenario?
Compare triggers, waiting periods, limits, sublimits, exclusions, and duties. Exact wording matters more than the product name.
Matched to your next question
Read with a purpose
No endless link list: four paths matched to your next decision.
Industry profile
What shapes your industry's cyber risk?
Data, IT dependencies, and processes differ. These profiles show useful questions without invented rankings or average-loss figures.
Case Studies
Documented cases from Switzerland
Only incidents supported by primary sources are published; unverified case studies remain offline.
Frequently Asked Questions
The most important answers about cyber insurance in Switzerland.
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What is cyber insurance?
Cyber insurance may reimburse contractually agreed costs and losses arising from cyber incidents. The policy wording determines what is insured, including limits, deductibles, requirements, and exclusions. Learn more -
How much does cyber insurance cost in Switzerland?
Premiums depend on factors such as industry, revenue, limit, deductible, and security controls and can only be determined through an individual quotation. The damage calculator models possible incident costs, not the insurance premium. Price factors & quote comparison -
Does my SME need cyber insurance?
Whether a policy is useful depends on your data, IT dependency, suppliers, and financial resilience. According to the SIA, 67,000 corporate policies in 2024 represented about 10.8% of companies domiciled in Switzerland. -
Which industries are most affected?
Risk is particularly relevant for organisations handling sensitive data, relying heavily on IT, connected production, or critical supply chains. A general ranking without a consistent Swiss data basis would be misleading. View industry risks
BTAG Versicherungsbroker AG · Bern
Have questions about cyber insurance?
BTAG clarifies your risk profile and discloses any commission before conclusion. The request does not oblige you to buy.
Quote advice by BTAG Versicherungsbroker AG, Bern — FINMA-registered insurance intermediary.