Understand cyber risks. Protect your business.
Cyber insurance for businesses – tailored to your individual risk profile
The Hörtkorn Group is your specialist insurance broker for cyber risks. We support medium-sized companies and internationally operating corporations across a wide range of industries in analysing, assessing and individually insuring their cyber risks – practical, specialised and tailored to each company’s specific risk profile.
CYBER RISKS IN BUSINESS
Digital risks can quickly become existential. Ransomware, data loss, business interruptions, or attacks on networked systems can disrupt business processes in a very short time. The more digitally connected companies are, the more important it becomes to take a holistic view of their cyber risks. Hörtkorn helps companies analyze risks, identify appropriate protective measures, and individually hedge against remaining financial risks.
Network Security
Minimize the risk of attacks on your IT systems and ensure the availability of your business processes.
- Ransomware
- System Attacks
- Unauthorized Access
- Business Interruptions
Information Security
Protect your sensitive data and ensure the confidentiality of business-critical information.
- Data breaches
- Confidentiality
- Tampering with sensitive data
- Loss of digital information
YOUR BENEFITS
Specialized cyber consulting for businesses.
Customized solutions for digital risks—personalized, specialized, and tailored to your business.
IDENTIFYING CYBER RISKS EARLY.
Cyberattacks can disrupt business operations in a matter of moments and cause significant financial consequences. We help companies analyze their specific risk profiles and develop appropriate protection strategies. In doing so, we consider not only insurance coverage but also your company’s specific needs—from IT dependencies and business processes to industry-specific risks.
CUSTOMIZED SOLUTIONS FOR YOUR BUSINESS.
No two companies are alike—and cyber risks also vary depending on industry, size, and digital infrastructure. As a specialized insurance broker, we develop customized cyber insurance solutions for small and medium-sized businesses and internationally active corporations. Our goal is to provide coverage that matches your actual risk profile and delivers reliable protection in the event of a claim.
CYBER SERVICES
Three building blocks. Strong cyber protection.
Assistance, liability, and property damage coverage work together to provide comprehensive protection against the financial consequences of a cyber incident.
Immediate assistance when every minute counts.
In the event of a cyber incident, you’ll have quick access to specialized experts—from IT forensics and crisis management to coordinated support in an emergency.
When a cyberattack hits your own company.
Business interruption, data and system recovery, or additional costs following a cyber incident can have significant financial consequences.
Protection Against Third-Party Claims.
Cyber incidents can lead to data breaches and liability claims. Cyber liability insurance protects against the financial consequences of valid claims and provides support in defending against them.
Cyber Protection Throughout the Entire Risk Cycle
UNDERSTANDING RISKS
Analyze cyber risks, identify vulnerabilities and dependencies, and understand the company’s unique risk profile.
IN THE EVENT OF AN EMERGENCY
When a cyber incident is suspected, speed is of the essence. Specialized experts are available to provide support, IT forensics, crisis management, and other assistance services.
CUSTOMIZED COVERAGE
With HÖRTKORN® Cyber Protection Plus, we develop insurance coverage tailored to your company, industry, and risk profile.
INSURING OPERATIONS & CONSEQUENTIAL LOSSES
From business interruption and recovery costs to liability and consequential damages: The goal is to limit the financial impact of a cyber incident.
HÖRTKORN® CYBER PROTECTION PLUS
The Gold Standard in Cyber Insurance Coverage
HÖRTKORN® Cyber Protection Plus provides customized risk transfer for corporate cyber risks. The insurance coverage is based on the broadest possible definition of cyber loss.
MARKET-LEADING POLICY TERMS
Comprehensive insurance coverage for virtually all known cyber risks.
24/7 CRISIS HOTLINE
Year-round support and immediate assistance in the event of a suspected cyber incident.
EXPERT NETWORK
Specialized partners and risk consultants provide support in the event of a cyber incident.
CUSTOMIZED SOLUTIONS
Customized coverage tailored to your company, industry, and risk profile.
Why Hörtkorn?
Specialized cyber expertise. Personalized consulting. International reach.
Specialized Insurance Broker for Cyber Risks
Cyber insurance is one of our areas of expertise. We understand the needs of various industries and companies of all sizes.
Personalized Service and Direct Communication
Dedicated contacts guide you through every step, from risk analysis and policy placement to claims processing.
From Small and Medium-Sized Businesses to International Corporations
We support small and medium-sized businesses as well as internationally active corporate groups, taking into account their diverse structures and requirements.
Customized Risk and Coverage Solutions
No one-size-fits-all solutions: Insurance coverage and coverage plans are tailored to each client’s risk profile.
Network of Experts for Cyber Incidents
Specialized partners provide support during cyber incidents, including IT forensics, crisis management, and other assistance services—all year round, 24/7.
International Presence
Through UNIBA Partners, the Hörtkorn Group has an international network spanning more than 160 countries.
The Most Important Questions About Cyber Insurance
1. What is cyber insurance?
Cyber insurance protects companies from the financial consequences of cyberattacks, data loss, IT outages, and data breaches. Depending on the plan, coverage includes both first-party losses and third-party liability claims, as well as professional assistance in the event of a cyber emergency.
2. For which companies does cyber insurance make sense?
Cyber insurance generally makes sense for companies that use digital systems, customer data, cloud services, or networked processes. It is particularly relevant for companies where an IT outage, data loss, or cyberattack could lead to business interruptions, liability claims, or high recovery costs.
3. Welche Schäden deckt eine Cyberversicherung ab?
Depending on the insurance plan, coverage may include, among other things, costs for IT forensics, data and system recovery, business interruptions, crisis management, and third-party liability claims. The exact scope of coverage depends on the specific contract and the company’s individual risk profile.
4. What is the difference between cyber assistance, cyber liability, and cyber first-party losses?
Cyber Assistance provides rapid support in the event of an emergency, for example, from IT forensic experts, crisis managers, or other specialists. Cyber Liability covers third-party claims resulting from a cyber incident. Cyber First-Party Losses refer to direct losses within the company itself, such as business interruptions or recovery costs.
5. What happens in the event of a loss following a cyberattack?
In the event of a cyber incident, a quick and structured response is essential. Through Cyber Assistance, specialized experts can be brought in to analyze and contain the incident and restore the systems. Depending on the nature of the incident, data protection, legal, and communications experts may also be consulted.
6. Are business interruptions and data recovery covered under the policy?
Business interruptions and the costs of restoring data and IT systems can be covered under a cyber insurance policy. The specific insurance terms and conditions, agreed-upon coverage amounts, and any deductibles and waiting periods are key factors.
7. What requirements must a company meet to qualify for cyber insurance?
Insurers typically review a company’s IT security measures. These may include, for example, regular data backups, up-to-date software, multi-factor authentication, access controls, or defined security processes. The specific requirements depend, among other things, on the company’s size, industry, and risk profile.
8. How much should the coverage amount be for a cyber insurance policy?
The appropriate coverage amount depends on the company’s individual risk profile. Key factors include revenue, potential business interruptions, stored data, reliance on IT systems, and potential liability risks. A flat coverage amount is therefore usually not advisable.
9. How much does cyber insurance cost for businesses?
The cost of cyber insurance depends, among other factors, on the size of the company, its revenue, industry, level of IT security, desired scope of coverage, and the insured amount. For this reason, reliable premium estimates can generally only be determined after a customized risk analysis.
10. Why is it a good idea to use a specialized insurance broker for cyber risks?
Cyber risks and insurance terms and conditions are complex and can vary significantly from one insurer to another. A specialized insurance broker can assist with risk analysis, comparing suitable insurance solutions, and tailoring insurance coverage to your individual needs. Expert guidance can also be particularly valuable in the event of a claim.
