Cyber insurance growing in 2025 in Switzerland (cross-border guide)

Context

In brief

• Growth of cyber insurance in Switzerland in 2025
• Insured companies rose to 72,000, a 7% increase compared to the previous year
• Strong growth among private individuals: +18% to 480,000 insured

Key facts

• Association: Swiss Insurance Association (SIA)
• Reference year: 2025
• Insured companies: 72,000
• Company growth: 7%
• Insured private individuals: 480,000
• Private growth: 18%
• Private premiums: 29 million CHF
• Business premiums: 153 million CHF
• Insured Swiss companies: approximately 11%
• Future event: Cyber Insurance Summit 2026 in Bern on November 5th

Cyber insurance, meaning insurance products that protect individuals and businesses from damages caused by cyberattacks or digital system issues, is experiencing a marked growth phase in the Swiss economic landscape. According to data released by the Swiss Insurance Association (SIA) as part of its annual sector survey, in 2025 the number of insured companies rose to 72,000, marking a 7% increase compared to the previous year. Even more sustained is the progression recorded among private clients, where the percentage growth reaches 18%, bringing the total to 480,000 active policies. From a financial volume perspective, the SIA survey highlights that collected premiums reached 29 million CHF for private clients, while the business sector generated a volume of 153 million CHF. This dynamic allows the sector to firmly establish itself among the fastest-growing within the Swiss insurance coverage market, responding to a demand for protection that evolves in parallel with the digitalization of commercial processes and daily life.

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Operational details

The in-depth analysis conducted by the Swiss Insurance Association highlights that the cyber risk coverage sector plays a strategic role not only in safeguarding company balance sheets following an attack, but also in improving overall operational security. Swiss SMEs, while representing the segment with the greatest coverage gaps, are paradoxically those that could derive the greatest benefits from the assistance services associated with these policies. In addition to direct financial compensation for damages suffered following a cyber incident, insurance contracts regularly include targeted preventive services and the possibility of rapidly activating the support of experts specialized in digital emergency management. Heidi Fröhlich, head of non-life and reinsurance at the SIA, emphasizes that cyber insurance contributes significantly to strengthening the cyber resilience of companies, acting as a fundamental pillar in corporate risk management.

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Key points

The management of cyber risks and the assessment of the opportunity to subscribe to adequate coverage require a careful analysis of the specificities of its economic activity and the digital systems used on a daily basis. For Swiss companies, in particular for SMEs that register the greatest discoveries, the first operational step is to carry out a thorough mapping of internal vulnerabilities, verifying which prevention services and which specialist support are included in the various offers available on the Swiss insurance market. Unlike simply covering property damage resulting from a system crash or data breach, modern policies offer an integrated package of technical assistance that can be instrumental in managing the crisis phase following a cyberattack. To deepen the general economic framework, cost trends and financial variables that affect business management and resource planning in Switzerland, you can consult the analysis and cost-of-living tools available to guide you among the different factors that make up the economic and structural framework of the country.

Source: swissinfo.ch