Skip to main content

From July 13 to August 15, the Berlaar office will close at 5 PM instead of 5:30 PM

Check our opening hours
Back
My company
Back
My employees
Back
Myself
Back
My sector

Solutions

Cyber insurance

Cyberattacks, phishing, ransomware, and data breaches are no longer exceptions today. Any business that works with digital processes or manages data is at risk. The financial and reputational damage can be substantial. 

With a cyber insurance policy, you protect your business against the consequences of cybercrime and unauthorized access to IT systems or networks. Van Dessel Insurance Brokers will guide you in mapping out your digital risks and will provide a solution tailored to your activities and scale. 

ondernemingen - cyberverzekering

What is a cyber insurance?

A cyber insurance policy is insurance that protects your business against damage caused by cyber incidents. 

These include:

  • Hacking or unauthorized access to your systems
  • Ransomware 
  • Data breaches involving customer or employee data 
  • Phishing and email fraud 
  • IT disruptions caused by malicious attacks

A cyber insurance policy covers both your own losses (such as loss of revenue and recovery costs) and liability to third parties (for example, when customer data is leaked).

In addition to financial compensation, you also gain access to 24/7 support from a team of IT crisis experts who assist you with damage control and communication. 

What are the benefits?

A cyber insurance policy ensures reimbursement of financial costs and allows business operations to be resumed as quickly as possible. 

Covers costs for restoring IT systems after a cyber attack. 

Covers loss of revenue due to the temporary shutdown of your activities. 

Covers defense costs and legal assistance in the event of data breaches and privacy violations.

Covers crisis management and communication costs to limit reputational damage. 

Who is this insurance for?

A cyber insurance policy is relevant for any business that operates digitally, regardless of sector or size. 

In particular for:

  • SMEs and medium-sized businesses 
  • Companies with customer or employee data 
  • E-commerce and online service providers 
  • Manufacturing businesses with automated systems 
  • Healthcare institutions, financial service providers, and professional occupations

Smaller businesses are also an attractive target for cybercriminals. They often have less comprehensive security systems, while the impact of an incident can be even greater. 

What is covered and what is not?

What is covered?

  • IT forensic investigation costs
  • Data recovery or reconstruction costs
  • Ransom payments following a ransomware attack (where contractually covered)
  • Loss of income due to system downtime
  • Liability arising from data breaches
  • Legal assistance and notification costs to the Data Protection Authority

What is not covered?

  • Losses resulting from intentional internal fraud
  • Fines that are not legally insurable
  • Failure of general infrastructure (e.g. power or internet outages)
  • Ongoing or known incidents existing before the policy commenced
  • Traditional fraud or internal fraud (where excluded under the policy)
  • Property damage and bodily injury

How much does this insurance cost?

The premium of a cyber insurance policy depends on several factors:

  • Your annual turnover 
  • The type and volume of data processed 
  • The sector in which you operate 
  • Your IT security level
  • Your claims history 

Insurers usually ask specific questions about backups, access management, and security measures. The better your prevention measures, the more favorable the terms.

We assist you in preparing this analysis and negotiate a competitive solution. 

Stories from our customers

Testimonial Antilope De Bie Printing
Antilope De Bie Printing

Bart De Bie: “Van Dessel is een betrouwbare partner die vooral met zijn maatwerk het verschil maakt.”

Testimonial Groep Steylaerts
Groep Steylaerts

Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”

Bram Gers van Germo bvba
Germo bvba

Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."

Tom Bolsens van Van Wellen Group
Van Wellen Group

Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."

Our promise to you

Personal & involved

a tailor-made partner

We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.

Expertise & experience

already 80 years in insurance

Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.

Customization & innovation

beyond standard insurance

No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.

Would you like to receive a quote?

We analyze your activities, contractual obligations, and risks. You will receive a clear proposal tailored to your business. 

Request a quote without obligation or contact us for personal advice. 

Which insurances complete your package

Insights for entrepreneurs

sécurité cyber pour entreprises
06 June 2025 2 min.

Armed against the rising threat of cybercrime

Cybercrime is evolving at a rapid pace and continues to grow year after year. Despite improved…
juridisch
25 June 2024 3 min.

Mergers & Acquisitions (M&A) / Legal & Tax Risks

M&A transactions are complex processes in which risks are allocated between buyers and sellers…
cyberverzekering
20 June 2024 3 min.

NIS2 and Cybersecurity: How do you ensure your organisation complies with…

In today's world of digital threats, NIS2 compliance is essential. What happens if your…
thuiswerk triggert cybercriminelen
01 December 2020 4 min.

Working from home triggers cybercriminals – how do you protect your…

Since the arrival of the coronavirus, we have massively started working from home. This has its…

Need help? Contact us

Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.

Prefer faster help? Check out our frequently asked questions.

Is a cyber insurance mandatory in Belgium?

No, a cyber insurance policy is not legally required. However, it is strongly recommended for businesses that process personal data or are digitally dependent. Due to the rise of AI, digitalization, remote work, and increased risks, we are seeing a sharp increase in the number of new incidents. 

What does a cyber insurance policy cost for an SME?

The cost depends on your turnover, sector, IT security, and the type of data you process. For many SMEs, the premium remains limited in relation to the potential amount of damages.

Does a cyber insurance policy cover ransomware?

Yes, in most policies, damage caused by ransomware is covered. This includes costs for negotiators and, depending on the situation, also the ransom for releasing data/systems. For example, when recovery is not possible and subject to legislation and insurer approval. 

Am I insured in the event of a customer data breach?

Yes, a cyber insurance policy generally covers the costs and liabilities in the event of a data breach, including legal assistance and notification obligations. 

What should I do in the event of a cyber attack?

You must report the incident immediately to the 24/7 assistance number listed in your insurance policy. This incident response partner will coordinate the incident and provide immediate first-line support. Through the policy, you have access to IT and crisis experts who will assist you with recovery and communication.