Property damage caused by an attack: does cyber insurance pay?
not covered Almost never included
Spoiled goods, damaged machine. Of 9 business products read: 6 not covered, 3 no information.
Excluded in all cyber GTC reviewed (AXA B6, Mobiliar E let. e, Zurich Art. 5, Helvetia 3.2.3 b, Chubb 4.8); at AXA also the resulting loss of income.
As of
On this page
9 answers on the shelf
Each jar is a business product whose terms we read.
- not covered6
- no information3
-
SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»)
not covered
Condition and source: AXA
Property damage and resulting loss of income excluded. However, controls of machines and installations count as an IT system (E11): data/software of the control system are insured, the spoiled goods are not.
AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. B6, S. 12 · 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)
Property damage and resulting loss of income excluded. However, controls of machines and installations count as an IT system (E11): data/software of the control system are insured, the spoiled goods are not.
AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. B6, S. 12 · Open document (new window)
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Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection)
not covered
Condition and source: Mobiliar
Generally excluded.
Schweizerische Mobiliar Versicherungsgesellschaft AG, Ausgabe 01.2024, Ziff. E lit. e, S. 22 · Open document (new window)
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Zurich Cyberversicherung (variants Basic, Optimum, Premium)
not covered
Condition and source: Zurich
Excluded, except replacement of end-user devices. Control technology counts as part of the network: data/software of the refrigeration system or CNC control are insured, the item itself is not.
Zürich Versicherungs-Gesellschaft AG, Ausgabe 01/2024 (ZH9513d-2402), Art. 5, S. 6 · Open document (new window)
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Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP)
not covered
Condition and source: Helvetia
Losses arising from property damage are not insured; the module «Defective production» is not part of KMU-Spezial.
Helvetia Schweizerische Versicherungsgesellschaft AG, Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.2.3 lit. b, 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
not covered
Condition and source: Chubb
Bodily injury and property damage excluded.
Terms not public, quote via BTAG.
Chubb European Group SE, 01/2022, Exclusion 4.8 · 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 15 scenarios from 13 industries, a cost item concerns this module.
All scenarios with this module
- Butcher’s shop
- Refrigeration system manipulated, goods spoiled not covered
- Bakery and confectionery
- Restaurant and catering
- Cold room heated up via remote maintenance not covered
- Trades (electrical, plumbing, joinery, painting)
- Joinery’s CNC machine manipulated not covered
- Construction company
- The client’s plan platform fails unclear
- Pharmacy and drugstore
- Temperature in the medicine refrigerator changed not covered
- Architectural and engineering office
- Retail (shop)
- Refrigerated shelves heated up overnight not covered
- Agriculture
- Milking robot and barn climate disrupted not covered
- Ventilation control in the pig barn manipulated not covered
- Transport and logistics
- Cold chain logistics without IT not covered
- Fleet portal hacked not covered
- Production and industrial SMEs
- Machine parameters changed, series defective not covered
- Property management
- Municipality and public administration
- Water supply control system attacked not 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
- Inform affected people
- Fraud with fake instructions
- Hacked e-banking
- Phone hacking and extra costs
- Reputational damage
- Card industry penalties
- Media liability