Outage due to operating error: does cyber insurance pay?
no information Varies by insurer
Loss of income without an attack, e.g. after a mistake by your own IT. Of 9 business products read: 2 add-on, 2 limited, 2 not covered, 3 no information.
AXA insures only intentional attacks; Mobiliar (BI only with add-on), Zurich (Optimum/Premium) and Helvetia (exhaustive list) cover operating errors.
As of
On this page
9 answers on the shelf
Each jar is a business product whose terms we read.
- add-on2
- limited2
- not covered2
- no information3
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SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»)
not covered
Condition and source: AXA
No insured event: a cyber first-party loss event requires an intentional attack. No express exclusion, but not insured.
AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. E2, S. 16 · Open document (new window)
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Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others)
not covered
Condition and source: Sunrise (AXA)
No insured event: a cyber first-party loss event requires an intentional attack. No express exclusion, but not insured.
AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. E2, S. 16 · Open document (new window)
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Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection)
add-on
Condition and source: Mobiliar
Human error is an insured cyber event; loss of income, however, only with add-on B4. Software errors without a cyber event excluded (E let. m).
Schweizerische Mobiliar Versicherungsgesellschaft AG, Ausgabe 01.2024, Ziff. B2, S. 13 · Open document (new window)
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Zurich Cyberversicherung (variants Basic, Optimum, Premium)
add-on
Condition and source: Zurich
Operating, maintenance and update errors by insured persons trigger BI (Optimum/Premium).
Zürich Versicherungs-Gesellschaft AG, Ausgabe 01/2024 (ZH9513d-2402), Art. 503, S. 13 · Open document (new window)
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Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP)
limited
Condition and source: Helvetia
Negligent operation by the policyholder’s own staff insured (exhaustive list); technical failure, software updates, overload not.
Helvetia Schweizerische Versicherungsgesellschaft AG, Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.2.1 Ziff. 2, S. 9 · Open document (new window)
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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)
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Additional cover «Cyber and data protection» to the Business One contents and business liability insurance
no information
Condition and source: Vaudoise
Cyber GTC not public, no information found.
Terms not public, quote via BTAG.
Vaudoise Allgemeine Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document (new window)
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Cyber Enterprise Risk Management (Cyber ERM) V2.2
limited
Condition and source: Chubb
Human error and programming errors are triggers; purely technical failure is not.
Terms not public, quote via BTAG.
Chubb European Group SE, 01/2022, 3.5 · Open document (new window)
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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
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.
Where this module comes into play
In 1 scenarios from 1 industries, a cost item concerns this module.
All scenarios with this module
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
- Cyber extortion
- Third-party claims after a data breach
- Proceedings before authorities
- Inform affected people
- 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