Roth Versicherungen – seit 1907

Reliable protection against internet crime and IT risks.

Incident support and financial protection for agreed commercial IT risks.

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Hand-drawn laptop with a security lock and network connections

Cybercrime is part of everyday life.

Today, small and medium enterprises face constant threats from automated malware, phishing campaigns, and targeted ransomware. Without dedicated cyber protection, an incident immediately compromises liquidity, customer relations, and business continuity.

  • Targeted attacks on SMEs exploiting accessible digital interfaces.
  • Financial extortion through ransomware and encrypted operational databases.
  • Existential threats to operational workflows, manufacturing, and supply chains.
Hand-drawn phishing message, hook and protected server
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What consequences can a cyberattack have?

Financial impact varies with company size, data, IT dependency, response time and policy wording. We therefore assess the possible loss individually rather than relying on broad average figures.

  • Costs for forensics, data recovery and system restoration.
  • Continuing expenses and possible revenue loss during business interruption.
  • Third-party liability claims, legal support and crisis communications.

What does cyber insurance cover?

Depending on the insurer, policy and agreed modules, cyber insurance may provide the following services:

IT Forensics & Crisis Management

Access to specialist IT teams for containment, investigation and recovery; availability and response times depend on the contract.

Business Interruption & Profit Loss

Reimbursement of agreed continuing costs and lost income within the indemnity period, deductible and insured limit.

Data Restoration & System Hardening

Reconstruction of corrupted or encrypted company databases, system clean-up, and reinforcement against recurring attacks.

Liability Defense & Regulatory Support

Decisive legal representation against third-party damage claims, customer litigation, and assistance with statutory GDPR notification requirements.

Crisis PR & Communication

Professional public relations and stakeholder communications to protect your company’s market reputation and customer confidence.

Limits and exclusions of cyber insurance.

Cover applies only within the agreed wording. Security requirements, waiting and indemnity periods, deductibles, sublimits and exclusions need particular attention:

  • Losses caused intentionally or through deliberate regulatory misconduct
  • Exclusions for war, certain state-backed attacks or widespread infrastructure failure, depending on the wording
  • Regulatory fines and criminal sanctions where indemnification is prohibited by law

Cyber risk assessment: What we need for a consultation.

  • Business model, turnover, locations and dependency on IT systems
  • Data types, access controls and external IT providers
  • Backups, security measures, incident plan, previous events and current policies

Let’s talk about your questions.

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