Inform affected people: does cyber insurance pay?

• AXA

  SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»)

  covered

  Condition and source: AXA

  Identifying and notifying affected persons, call centre, internet portal, credit monitoring up to 12 months; agree with AXA in advance.

  AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. A1.3.2, S. 6 · Open document (new window)

• Sunrise (AXA)

  Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others)

  covered

  Condition and source: Sunrise (AXA)

  Identifying and notifying affected persons, call centre, internet portal, credit monitoring up to 12 months; agree with AXA in advance.

  AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. A1.3.2, S. 6 · Open document (new window)

• Mobiliar

  Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection)

  covered

  Condition and source: Mobiliar

  Notification of affected persons and the data protection authority. Call centre or credit monitoring not expressly mentioned.

  Schweizerische Mobiliar Versicherungsgesellschaft AG, Ausgabe 01.2024, Ziff. B3.6, S. 13 · Open document (new window)

• Zurich

  Zurich Cyberversicherung (variants Basic, Optimum, Premium)

  covered

  Condition and source: Zurich

  Identifying and notifying affected persons, credit card monitoring; call centre and goodwill measures within a sub-limit of 25%.

  Zürich Versicherungs-Gesellschaft AG, Ausgabe 01/2024 (ZH9513d-2402), Art. 304, S. 10 · Open document (new window)

• Helvetia

  Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP)

  covered

  Condition and source: Helvetia

  Notification, call centre, monitoring in the event of credit card or identity theft; prior consent.

  Helvetia Schweizerische Versicherungsgesellschaft AG, Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.5, S. 11 · Open document (new window)

• Allianz Suisse

  Cyber Risk Versicherung

  no information

  Condition and source: Allianz Suisse

  GTC not public, no information found.

  Terms not public, quote via BTAG.

  Allianz Suisse Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document (new window)

• Vaudoise

  Additional cover «Cyber and data protection» to the Business One contents and business liability insurance

  unclear

  Condition and source: Vaudoise

  Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  Terms not public, quote via BTAG.

  Vaudoise Allgemeine Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document (new window)

• Chubb

  Cyber Enterprise Risk Management (Cyber ERM) V2.2

  covered

  Condition and source: Chubb

  Notification under applicable data protection law.

  Terms not public, quote via BTAG.

  Chubb European Group SE, 01/2022, 3.28 C · Open document (new window)

• AIG

  CyberEdge

  no information

  Condition and source: AIG

  GTC not public.

  Terms not public, quote via BTAG.

  AIG Europe S.A., Zweigniederlassung Opfikon, geändert 20.08.2026 · Open document (new window)

6 insurers without a business product we read

• Baloise: No more new business under Baloise. The cyber pages of baloise.ch redirect to the Helvetia Cyber-Versicherung; existing contracts continue with Helvetia. Baloise cyber GTC no longer public.
  Where does it say so?

  Helvetia und Baloise sind jetzt eins (FAQ Zusammenschluss), abgerufen 06.11.2026, FAQ Neugeschäft

  «Neue Verträge werden immer im Namen von Helvetia ausgestellt.»

  Open document: Helvetia und Baloise sind jetzt eins (FAQ Zusammenschluss) (opens in a new window), retrieved 06.11.2026

• Generali: No cyber insurance for companies found (private customers only). For companies there is «internet legal protection» as a module of business legal protection (up to CHF 100'000 Switzerland / 50'000 worldwide, without deductible). This is legal protection, not cyber insurance.
  Where does it say so?

  Internetrechtsschutz für Unternehmen (Produktseite), abgerufen 06.11.2026

  «Deckung bis CHF 100'000 in der Schweiz»

  Open document: Internetrechtsschutz für Unternehmen (Produktseite) (opens in a new window), retrieved 06.11.2026

• Liberty: Cyber risks are underwritten (underwriters in Zürich); product page and GTC (according to VZ «Cyber Risk Versicherung 2015-09») not public. The 2015 edition is older than today’s war and infrastructure clauses.
  Where does it say so?

  Facts & Contacts Schweiz, 07/2022

  Open document: Facts & Contacts Schweiz (opens in a new window), retrieved 06.11.2026

• Hiscox: No offer found in Switzerland: country list without Switzerland; hiscox.de conditions apply only to Germany/Austria.
  Where does it say so?

  Hiscox in your country (Länderliste), abgerufen 06.11.2026

  Open document: Hiscox in your country (Länderliste) (opens in a new window), retrieved 06.11.2026

• smile: No cyber insurance for companies (products: car, household, motorcycle, travel, legal protection, death).
  Where does it say so?

  smile Produktübersicht, abgerufen 06.11.2026

  Open document: smile Produktübersicht (opens in a new window), retrieved 06.11.2026

• Simpego: No cyber insurance for companies found.
  Where does it say so?

  Simpego Produktübersicht, abgerufen 06.11.2026

  Open document: Simpego Produktübersicht (opens in a new window), retrieved 06.11.2026

In 23 scenarios from 16 industries, a cost item concerns this module.

All scenarios with this module

• Butcher’s shop
  • Customer data stolen from the party catering shop covered
• Restaurant and catering
  • Fake card payment in the takeaway shop covered
  • Guest data leaked at the reservation provider covered
• Hotel and accommodation
  • Booking account taken over, guests cheated out of deposits covered
  • Booking data stolen from a software provider covered
• Garage and car dealership
  • Ransomware with published customer data covered
• Medical practice
  • Patient data encrypted and published covered
  • Attack on the practice’s IT service provider covered
  • Test results sent to the wrong email address covered
• Dental practice
  • Ransomware closes the practice for two weeks covered
  • Data leaked from online appointment booking covered
• Physiotherapy
  • Email account hacked, spam to patients covered
• Pharmacy and drugstore
  • Health data from the online shop covered
• Fiduciary services
  • Client data stolen, publication threatened covered
• Law firm and notary’s office
  • Client data on the darknet covered
• Online shop
  • Card data stolen in the shop (skimming) covered
  • Extortionists threaten to publish customer data covered
• Hairdresser, beauty salon, nail studio
  • Customer data leaked at the booking provider covered
• Property management
  • Tenant data encrypted and copied covered
• Association and foundation
  • Membership list with dates of birth published covered
  • Foundation encrypted, data on the darknet covered
• Municipality and public administration
  • Ransomware, residents’ data on the darknet covered
• IT service provider and software company
  • Own systems encrypted, customer data published covered

The other 16 modules

• Immediate help in an emergency
• Restore data and systems
• Replace unusable devices
• Loss of income after an attack
• Outage at the IT provider
• Outage due to operating error
• Cyber extortion
• Third-party claims after a data breach
• Proceedings before authorities
• Fraud with fake instructions
• Hacked e-banking
• Phone hacking and extra costs
• Property damage caused by an attack
• Reputational damage
• Card industry penalties
• Media liability