Cyber
Reinsurance support for a world that runs on data: Cyber risks are complex, evolving, and increasingly systemic. We offer tailored reinsurance solutions – across industries, geographies, and coverage types.
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With flexible structures and global expertise, we help clients respond to a rapidly shifting cyber risk landscape through meaningful, scalable reinsurance support.
Reinsurance for a connected world
Cyber insurance plays a vital role in a comprehensive cybersecurity management strategy. While firewalls, regular employee training, secure back-up systems, timely software patches, and tested disaster recovery plans remain essential, these measures alone cannot fully eliminate risk. A robust cyber insurance policy complements such safeguards – covering both first- and third-party losses that result from cyberattacks or IT system failures.
However, due to the varying nature of threats across industries and company sizes, there is no standard cyber policy. Each solution must be tailored to the specific risk profile of the insured. Companies need a clear understanding of their own exposures to select the right type and level of coverage aligned with their risk tolerance.
Flexible coverage for diverse cyber exposures
At Hannover Re, we offer comprehensive cyber reinsurance support for both treaty and facultative business worldwide. Our solutions span across a broad range industries, regions and coverage concepts and comprise of both established and emerging cyber insurance models.
"We work with clients on standard solutions as well as innovative, complex or niche structures – helping both established insurers and new market entrants navigate this challenging space."
Mitigating accumulation risks in a digital ecosystem
A major concern for the industry is the threat of systemic cyber accumulation risk – a single event that can affect large portions of an insurers or reinsurer’s cyber portfolio. Examples include widespread business interruption due to third-party service provider failure, exploitation of software vulnerabilities or acts of cyber terrorism.
As economies become ever more dependent on interconnected IT systems, artificial intelligence, and the Internet of Things, risk aggregation increases – making reinsurance support more crucial than ever.
Specialists in cyber risk
Cyber underwriting at Hannover Re is centrally organised to ensure consistent and thorough assessment of risks across all stages of the value chain. Our dedicated cyber team brings together specialist knowledge, underwriting experience, and access to a broad global network – ensuring we deliver high-quality support to our clients in a coordinated and efficient manner.
Agile support for a fast-moving risk landscape
Speed, agility, and expertise are the hallmarks of our cyber reinsurance offering. Thanks to our lean organisational structure and short lines of communication, we respond quickly and flexibly to client needs. We believe in cooperative outcomes and long-term partnerships – and we back this with a team of committed underwriters and deep global insights.
Our cyber department ensures continuity, technical depth, and best-practice alignment across the globe, helping clients build resilience in one of the most dynamic and high-stakes areas of risk today.
