Why only current quotations are comparable
Cyber insurance is not a standardised product. Premiums, limits, sublimits, and security requirements depend on the individual business. A static ranking or universal “best insurer” would therefore be misleading.
The Swiss market reached CHF 172 million in premium volume in 2024 (+22%). Around 67,000 corporate policies represented 10.8% of companies domiciled in Switzerland. Source: Swiss Insurance Association, 5 August 2025.
The eight key criteria
- Insured events: ransomware, data loss, IT outage, data breach, fraud, and service providers.
- First-party and liability cover: compare both sections separately.
- Sublimits: inspect caps for extortion, interruption, fraud, and crisis communications.
- Financial and waiting-period deductibles: business interruption may include both.
- Incident response: hotline, forensics, legal advice, communications, and provider choice.
- Security conditions: MFA, backups, patching, and training must match questionnaire answers.
- Exclusions: read provisions on known vulnerabilities, obsolete software, war, and state actors.
- Territorial and temporal scope: subsidiaries, cloud services, international activity, and the policy trigger must fit.
A reproducible comparison method
Give every insurer the same company data and questionnaire. Record the premium, limits, sublimits, deductibles, exclusions, and emergency services in one matrix. Resolve every material difference in writing before purchase.
Our calculator provides a non-binding model estimate only. A premium becomes binding after underwriting and a written quotation.
Disclosure
Cyberversicherung.ch is an information platform in partnership with BTAG Versicherungsbroker AG. When insurance is arranged, the broker may be remunerated by the insurer. Ask which remuneration and costs apply to the specific mandate.
Sources and update
Content reviewed on 18 July 2026. Products and prices can change.