How much does cyber insurance cost for businesses?
Based on published rates, cyber insurance for a Swiss SME with up to CHF 10 million in revenue costs around CHF 300–3'100 a year, depending on industry, revenue and sum insured (indicative value, not a quote). For sums of CHF 1 million or more in first-party loss and revenues over CHF 10 million, there are no published prices.
As of
- from CHF 300 Micro business Indicative value a year, not a quote
On this page
Indicative values by business
Annual premium in CHF, on a shared scale.
-
Micro business < CHF 1 million revenue, restaurant or trade (Helvetia Group A)
CHF 300–750 a year
First-party loss 50'000–200'000, liability 500'000–1 million
-
Micro business < CHF 1 million revenue, butcher’s shop/retail/food production (Helvetia Group C, assignment of butcher’s shop derived)
CHF 700–1'600 a year
First-party loss 50'000–200'000, liability 500'000–1 million
-
Micro business, only telco bundle with low limits
CHF 479 a year
First-party loss 20'000, liability 200'000
-
SME CHF 1–5 million revenue, Group A (trades, restaurant)
CHF 550–1'200 a year
First-party loss 100'000–500'000, liability 500'000–1 million
-
SME CHF 1–5 million revenue, Group C (retail, food, metal goods/CNC)
CHF 1'100–2'800 a year
First-party loss 100'000–500'000, liability 500'000–1 million
-
SME CHF 5–10 million revenue, Groups A to C
CHF 800–3'100 a year
First-party loss 200'000–500'000, liability 500'000–1 million
-
SME CHF 10–20 million revenue
no reliable figure
1 million and more
All values as a table
| Business | Sum insured | Annual premium | How we got there |
|---|---|---|---|
| Micro business < CHF 1 million revenue, restaurant or trade (Helvetia Group A) | First-party loss 50'000–200'000, liability 500'000–1 million | around CHF 300–750Indicative value, not a quote | How we got there for Micro business < CHF 1 million revenue, restaurant or trade (Helvetia Group A)Derivation: lower bound = lowest public annual premium (Helvetia KMU-Spezial ECO, tariff 01.07.2026), upper bound = TOP variant of the same group. Cross-check: Zurich Basic from 410 / Optimum from 690 (brochure 2023, parameters unknown), Sunrise/AXA 479 at 20k/200k. Only two insurers with public prices; tariff price before risk assessment and without discounts. Guide value, derived; not a quote. Where does it say so?Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.1 Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026 Where does it say so?Broschüre Zurich Cyberversicherung, PDF vom 21.03.2023, S. 15 Open document: Broschüre Zurich Cyberversicherung (opens in a new window), retrieved 06.11.2026 |
| Micro business < CHF 1 million revenue, butcher’s shop/retail/food production (Helvetia Group C, assignment of butcher’s shop derived) | First-party loss 50'000–200'000, liability 500'000–1 million | around CHF 700–1'600Indicative value, not a quote | How we got there for Micro business < CHF 1 million revenue, butcher’s shop/retail/food production (Helvetia Group C, assignment of butcher’s shop derived)Derivation: lower bound = lowest public annual premium (Helvetia KMU-Spezial ECO, tariff 01.07.2026), upper bound = TOP variant of the same group. Cross-check: Zurich Basic from 410 / Optimum from 690 (brochure 2023, parameters unknown), Sunrise/AXA 479 at 20k/200k. Only two insurers with public prices; tariff price before risk assessment and without discounts. Guide value, derived; not a quote. Butcher’s shop is not named literally in the application; Group C via «retail» and «manufacture of food». Where does it say so?Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.1 Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026 |
| Micro business, only telco bundle with low limits | First-party loss 20'000, liability 200'000 | around CHF 479Indicative value, not a quote | How we got there for Micro business, only telco bundle with low limitsCHF 39.90 × 12 (Sunrise/AXA, only with a Sunrise base product). Guide value, derived. Where does it say so?Factsheet Business Cyber Insurance, Option für KMU SecureConnect, abgerufen 06.11.2026, S. 1 Open document: Factsheet Business Cyber Insurance, Option für KMU SecureConnect (opens in a new window), retrieved 06.11.2026 |
| SME CHF 1–5 million revenue, Group A (trades, restaurant) | First-party loss 100'000–500'000, liability 500'000–1 million | around CHF 550–1'200Indicative value, not a quote | How we got there for SME CHF 1–5 million revenue, Group A (trades, restaurant)Derivation: lower bound = lowest public annual premium (Helvetia KMU-Spezial ECO, tariff 01.07.2026), upper bound = TOP variant of the same group. Cross-check: Zurich Basic from 410 / Optimum from 690 (brochure 2023, parameters unknown), Sunrise/AXA 479 at 20k/200k. Only two insurers with public prices; tariff price before risk assessment and without discounts. Guide value, derived; not a quote. Where does it say so?Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.2 Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026 |
| SME CHF 1–5 million revenue, Group C (retail, food, metal goods/CNC) | First-party loss 100'000–500'000, liability 500'000–1 million | around CHF 1'100–2'800Indicative value, not a quote | How we got there for SME CHF 1–5 million revenue, Group C (retail, food, metal goods/CNC)Derivation: lower bound = lowest public annual premium (Helvetia KMU-Spezial ECO, tariff 01.07.2026), upper bound = TOP variant of the same group. Cross-check: Zurich Basic from 410 / Optimum from 690 (brochure 2023, parameters unknown), Sunrise/AXA 479 at 20k/200k. Only two insurers with public prices; tariff price before risk assessment and without discounts. Guide value, derived; not a quote. Where does it say so?Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.2 Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026 |
| SME CHF 5–10 million revenue, Groups A to C | First-party loss 200'000–500'000, liability 500'000–1 million | around CHF 800–3'100Indicative value, not a quote | How we got there for SME CHF 5–10 million revenue, Groups A to CDerivation: lower bound = lowest public annual premium (Helvetia KMU-Spezial ECO, tariff 01.07.2026), upper bound = TOP variant of the same group. Cross-check: Zurich Basic from 410 / Optimum from 690 (brochure 2023, parameters unknown), Sunrise/AXA 479 at 20k/200k. Only two insurers with public prices; tariff price before risk assessment and without discounts. Guide value, derived; not a quote. Where does it say so?Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.3 Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026 |
| SME CHF 10–20 million revenue | 1 million and more | no public priceIndicative value, not a quote | How we got there for SME CHF 10–20 million revenueNo public prices found; cannot be derived. Indicators without reference to a segment: SIA (Swiss Insurance Association) average around CHF 2'100 including large companies; VZ example CHF 12'000–29'000 for 3 million cover. Where does it say so?Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken, 03.09.2026 Open document: Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken (opens in a new window), retrieved 06.11.2026 Where does it say so?Cyber-Versicherung (Ratgeber), undatiert, abgerufen 06.11.2026 Open document: Cyber-Versicherung (Ratgeber) (opens in a new window), retrieved 06.11.2026 |
Published premiums per product
Only a few insurers publish prices. These are list prices before the risk assessment and without discounts.
- from CHF 300 Helvetia Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP) a year · 27 rate lines
- from CHF 410 Zurich Zurich Cyberversicherung (variants Basic, Optimum, Premium) a year · 3 rate lines
- from CHF 479 Sunrise (AXA) Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others) a year · 2 rate lines
All values as a table: Sunrise (AXA)
| Annual premium | Revenue | Industry | Sum first-party loss | Deductible | Note |
|---|---|---|---|---|---|
| CHF 479 | up to CHF 5'000'000 | all (Sunrise business customers) | CHF 20'000 | CHF 1'000 | CHF 39.90 × 12; first-party loss 20'000, liability 200'000; only with a Sunrise base product; minimum term 24 months. |
| CHF 1'078 | up to CHF 5'000'000 | alle | not stated | not stated | Package «KMU Ready Insurance – Cyber» including internet and a security service; insurance share not shown separately. |
Source: Factsheet Business Cyber Insurance, Option für KMU SecureConnect
Factsheet Business Cyber Insurance, Option für KMU SecureConnect, abgerufen 06.11.2026, S. 1, Preis
«Monatliche Gebühr CHF 39.90 (einschliesslich 5 % eidgenössischer Stempelabgabe.»
Open document: Factsheet Business Cyber Insurance, Option für KMU SecureConnect (opens in a new window), retrieved 06.11.2026
Source: Sunrise lanciert Cyberversicherungen für KMUs
Sunrise lanciert Cyberversicherungen für KMUs, 29.06.2026
«Kombiniert Cyberversicherung, Internet und Cybersecurity (89.85 Franken pro Monat).»
Open document: Sunrise lanciert Cyberversicherungen für KMUs (opens in a new window), retrieved 06.11.2026
All values as a table: Zurich
These starting prices come from the 2023 brochure, without details of revenue, sum insured or deductible.
| Annual premium | Revenue | Industry | Sum first-party loss | Deductible | Note |
|---|---|---|---|---|---|
| from CHF 410 | not stated | not stated | not stated | not stated | Basic: data/systems, crisis management, liability, legal protection; without business interruption. Product page 2026: «costs for example 410 francs per year». |
| from CHF 690 | not stated | not stated | not stated | not stated | Optimum: Basic plus cyber business interruption. |
| from CHF 845 | not stated | not stated | not stated | not stated | Premium: plus cyber crime (e-banking, social engineering). |
Source: Broschüre Zurich Cyberversicherung
Broschüre Zurich Cyberversicherung, PDF vom 21.03.2023, Versicherungskonzept, S. 15
«Premium ab CHF 845»
Open document: Broschüre Zurich Cyberversicherung (opens in a new window), retrieved 06.11.2026
All values as a table: Helvetia
| Annual premium | Revenue | Industry | Sum first-party loss | Deductible | Note |
|---|---|---|---|---|---|
| CHF 300Variant ECO | up to CHF 1'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 50'000 | CHF 1'000 | Variant ECO; first-party loss CHF 50'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 500Variant SMART | up to CHF 1'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 100'000 | CHF 1'000 | Variant SMART; first-party loss CHF 100'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 750Variant TOP | up to CHF 1'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 200'000 | CHF 1'000 | Variant TOP; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 500Variant ECO | up to CHF 1'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 50'000 | CHF 1'000 | Variant ECO; first-party loss CHF 50'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 750Variant SMART | up to CHF 1'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 100'000 | CHF 1'000 | Variant SMART; first-party loss CHF 100'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'200Variant TOP | up to CHF 1'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 200'000 | CHF 1'000 | Variant TOP; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 700Variant ECO | up to CHF 1'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 50'000 | CHF 1'000 | Variant ECO; first-party loss CHF 50'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'000Variant SMART | up to CHF 1'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 100'000 | CHF 1'000 | Variant SMART; first-party loss CHF 100'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'600Variant TOP | up to CHF 1'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 200'000 | CHF 1'000 | Variant TOP; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 550Variant ECO | up to CHF 5'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 100'000 | CHF 1'000 | Variant ECO; first-party loss CHF 100'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 750Variant SMART | up to CHF 5'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 200'000 | CHF 1'000 | Variant SMART; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'200Variant TOP | up to CHF 5'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 500'000 | CHF 1'000 | Variant TOP; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 850Variant ECO | up to CHF 5'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 100'000 | CHF 1'000 | Variant ECO; first-party loss CHF 100'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'200Variant SMART | up to CHF 5'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 200'000 | CHF 1'000 | Variant SMART; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'900Variant TOP | up to CHF 5'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 500'000 | CHF 1'000 | Variant TOP; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'100Variant ECO | up to CHF 5'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 100'000 | CHF 1'000 | Variant ECO; first-party loss CHF 100'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'600Variant SMART | up to CHF 5'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 200'000 | CHF 1'000 | Variant SMART; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 2'800Variant TOP | up to CHF 5'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 500'000 | CHF 1'000 | Variant TOP; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 800Variant ECO | up to CHF 10'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 200'000 | CHF 1'000 | Variant ECO; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'300Variant SMART | up to CHF 10'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 500'000 | CHF 1'000 | Variant SMART; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'400Variant TOP | up to CHF 10'000'000 | Group A (among others, main and ancillary construction trades, café/restaurant) | CHF 500'000 | CHF 1'000 | Variant TOP; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'200Variant ECO | up to CHF 10'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 200'000 | CHF 1'000 | Variant ECO; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 2'000Variant SMART | up to CHF 10'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 500'000 | CHF 1'000 | Variant SMART; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 2'300Variant TOP | up to CHF 10'000'000 | Group B (among others, consulting, hotel, motor vehicle trade) | CHF 500'000 | CHF 1'000 | Variant TOP; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 1'600Variant ECO | up to CHF 10'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 200'000 | CHF 1'000 | Variant ECO; first-party loss CHF 200'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 2'800Variant SMART | up to CHF 10'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 500'000 | CHF 1'000 | Variant SMART; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
| CHF 3'100Variant TOP | up to CHF 10'000'000 | Group C (among others, retail, food production, metal goods, doctors, lawyers) | CHF 500'000 | CHF 1'000 | Variant TOP; first-party loss CHF 500'000; annual premium including stamp duty, tariff without risk assessment, discounts possible (Holzbau Schweiz, start-ups 10% each; cyber-safe label 20% according to the product page). |
Source: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle)
Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.1 Cyber U-1, S. 1–2
Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026
Source: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle)
Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.2 Cyber U-2, S. 1–2
Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026
Source: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle)
Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle), Ausgabe 01.07.2026, Ziff. 1.3 Cyber U-3, S. 1–2
Open document: Antrag Cyber-Versicherung – KMU-Spezial (mit Prämientabelle) (opens in a new window), retrieved 06.11.2026
Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.
Without a published premium
6 products only show the price in a calculator or on request.
- AXA Premium only via the calculator (wizard, not filled in). TREUHAND|SUISSE members get a 10% discount (AXA partner page). AXA calculator (new window)
- Mobiliar Premium only via the calculator (not filled in). According to the product page, the premium depends on physical shop or online retail, employees, deductible, sum insured and IT security. Mobiliar calculator (new window)
- Allianz Suisse Advice request only. The low-cost «Online- und Kaufschutzbrief» (from CHF 41.90/year) is a product for private customers.
- Vaudoise No calculator found.
- Chubb Only via a broker (bulk quoting, reply within 7 working days).
- AIG Only via a broker.
The market in figures
CHF 153 million Gross cyber premiums, business customers, 2025 Source: Schweizerischer Versicherungsverband SVV
72'000 Insured companies, 2025 Source: Schweizerischer Versicherungsverband SVV
around 11.5% Share of companies with cyber insurance, 2025 Source: Schweizerischer Versicherungsverband SVV
All values as a table
| Indicator | Value | Year | Source |
|---|---|---|---|
| Gross cyber premiums, business customers | CHF 153 million | 2025 | Where does it say so?Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken, 03.09.2026 Open document: Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken (opens in a new window), retrieved 06.11.2026 |
| Gross cyber premiums, private customers | CHF 29 million | 2025 | Where does it say so?Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken, 03.09.2026 Open document: Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken (opens in a new window), retrieved 06.11.2026 |
| Insured companies | 72'000 (+7.5%) | 2025 | Where does it say so?Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken, 03.09.2026 Open document: Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken (opens in a new window), retrieved 06.11.2026 |
| Share of companies with cyber insurance | around 11.5%; large companies «well over half», gap among micro and small enterprises | 2025 | Where does it say so?Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken, 03.09.2026 Open document: Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken (opens in a new window), retrieved 06.11.2026 |
| Gross premiums business customers 2021–2025 (CHF million) | 71 / 103 / 121 / 148 / 153 | 2025 | Where does it say so?VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU), Oktober 2026 (AVB-Stand 01.06.2026), Abbildung 3, S. 7 (Quelle SVV) Open document: VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU) (opens in a new window), retrieved 06.11.2026 |
| Business customer policies 2021–2025 | 38'000 / 46'000 / 53'000 / 67'000 / 72'000 | 2025 | Where does it say so?VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU), Oktober 2026 (AVB-Stand 01.06.2026), Abbildung 3, S. 7 (Quelle SVV) Open document: VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU) (opens in a new window), retrieved 06.11.2026 |
| Total premium volume (businesses and private individuals) | CHF 172 million (+22%) | 2024 | Where does it say so?Prämienvolumen für Cyberversicherungen wächst, Schutzlücke bei KMU, 2025 (Datum nicht ausgelesen) Open document: Prämienvolumen für Cyberversicherungen wächst, Schutzlücke bei KMU (opens in a new window), retrieved 06.11.2026 |
| Total premium volume and price development | CHF 141 million (+18.5%, 16 insurers); prices stabilised compared with previous years; 8.7% of companies insured | 2023 | Where does it say so?Steigerung des Cyberprämienvolumens um 18,5 Prozent, 28.08.2024 «Im letzten Jahr haben sich die Preise von Cyberdeckungen gegenüber den Vorjahren stabilisiert.» Open document: Steigerung des Cyberprämienvolumens um 18,5 Prozent (opens in a new window), retrieved 06.11.2026 |
| Calculated average premium per insured company | around CHF 2'100 (153 million ÷ 72'000; guide value, derived; including large companies) | 2025 | Where does it say so?Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken, 03.09.2026 Open document: Cyberversicherungen wachsen, doch bei KMU bleiben grosse Schutzlücken (opens in a new window), retrieved 06.11.2026 |
| Premium range for CHF 3 million cover (one SME, several quotes) | CHF 12'000 to 29'000 per year | no date | Where does it say so?Cyber-Versicherung (Ratgeber), undatiert, abgerufen 06.11.2026 «beim teuersten Anbieter 29'000 Franken Prämien pro Jahr» Open document: Cyber-Versicherung (Ratgeber) (opens in a new window), retrieved 06.11.2026 |
| Price trend | Premiums recently fell in some cases (Aon) | 2026 | Where does it say so?Interview Manuel Paschlatko (Aon) zu Cyberrisiken, 05.06.2026 «obwohl die Prämien zuletzt teilweise gesunken sind» Open document: Interview Manuel Paschlatko (Aon) zu Cyberrisiken (opens in a new window), retrieved 06.11.2026 |
| Price volatility | Good risks sometimes renewed at lower prices, prices «very volatile» (Vaudoise) | no date | Where does it say so?Interview: Schutzlücken mit der Cyberversicherung schliessen (Vaudoise), Datum nicht ausgelesen «Die Preise sind aber sehr volatil» Open document: Interview: Schutzlücken mit der Cyberversicherung schliessen (Vaudoise) (opens in a new window), retrieved 06.11.2026 |
| Major event in Switzerland (accumulation) | economic loss CHF 2.5 billion, of which around 25% insured | 2026 | Where does it say so?VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU), Oktober 2026 (AVB-Stand 01.06.2026), S. 6 (Quelle SVV) Open document: VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU) (opens in a new window), retrieved 06.11.2026 |
| Cyber loss ratio Switzerland | not found (neither the SIA (Swiss Insurance Association) nor FINMA publish a cyber loss ratio) | no date | none |
| Self-assessment of small enterprises | 42% of 515 small enterprises consider their protection sufficient; around 30% have an IT security concept, emergency plan or training | 2026 | Where does it say so?VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU), Oktober 2026 (AVB-Stand 01.06.2026), S. 7 Open document: VZ-Studie Cyberrisiken für KMU – Marktanalyse der Cyberversicherungen (mit HSLU) (opens in a new window), retrieved 06.11.2026 |
Price factors and how to get comparable quotes are explained in the guide How Much Does Cyber Insurance Cost in Switzerland?