DUAL Group
Austria
Finland
France
Germany
Ireland
Italy
Netherlands
Spain
Sweden
Switzerland
United Kingdom
Europe
Australia
Hong Kong
New Zealand
Singapore
USA
Comprehensive cyber insurance for business continuity and resilience
At DUAL, we offer cyber insurance that protects against ransomware, data breaches, and business interruption while delivering access to crisis support when it matters most. We combine strong technical underwriting with practical risk management tools, helping your clients mitigate threats, minimise losses, and get back to business fast.
Key benefits
Comprehensive Protection
DUAL provides a full range of cover, including for ransomware, system damage, liability, and reputational harm - all under one policy.
Rapid incident response
24/7 access to experienced crisis teams: forensic, legal, comms, and technical specialists.
Tailored coverage
We provide cover customisable to the size, sector, and digital risk profile of each of your clients - from SMEs to large corporates.
Employee training
With 88% of all successful cyber breaches caused by employee error, we provide comprehensive training, turning your clients’ employees into a strong line of defence.
Risk reduction measures
We provide phishing simulations, vulnerability scans, and penetration testing to actively reduce exposures.
What’s covered?
Ransomware and cyber extortion
Cover for ransom payments, investigation, and system restoration following an extortion threat.
Data breach costs
Notification, legal defence, credit monitoring, and public relations expenses following a breach.
Business interruption
Loss of income caused by cyber events, including malicious and accidental outages.
Third-party liability
Cover for claims from customers, suppliers, or regulators resulting from a cyber incident.
Funds transfer fraud
Protection for direct financial losses due to fraudulent payment instructions.
Hardware and data restoration
Costs for recovery or replacement of damaged IT systems and lost data.
Regulatory fines and penalties
Where legally insurable, we cover the cost of regulatory actions following a breach.
Crisis management support
Access to legal, PR, forensic and IT experts to help your clients respond quickly and effectively.
All-in-one cyber solutions
DUAL Cyber Defence
All-round cyber protection for SMEs and larger businesses. Covers ransomware, business interruption, legal liability, digital asset damage, funds transfer fraud, and regulatory costs.
Cyber + Technology PI
Combined cover for cyber risk and technology errors & omissions - ideal for IT service providers, software companies, and consultants.
Cyber Active Protect
For clients needing more than insurance. Combines coverage with Silverfort identity protection and Cynet endpoint detection - built-in prevention and response in one.
Cyber Prevention and Response
End-to-end cyber risk management: from onboarding calls and staff training to live incident support and forensic investigation.
Risk appetite
We write cyber insurance across a range of industries - from SMEs to complex multinationals. These include:
Professional service
Manufacturing
Healthcare
Technology
Retail
We also provide specialist support for high-risk and previously uninsurable businesses via our Active Protect solution.
Why choose DUAL?
Expert underwriters
You’ll be working directly with underwriters who understand both the global market and the local challenges your clients face.
Nordic focus. Global strength.
We combine strong international capacity with local expertise - giving brokers fast access to reliable, high-limit cover with decision-makers who understand the market.
Tailored solutions
We build coverage around your client’s actual risk, with flexibility to handle everything from small retail firms to complex tech providers.
Speed when it counts
Same-day responses on all enquiries*. When cyber hits, your client gets 24/7/365 access to a dedicated crisis team - fast, focused, and effective.
*Same day response on all broker enquiries, Mon-Fri, 9am - 5pm
Underwriting requirements
To assess your client’s cyber risk and tailor coverage effectively, we typically require:
- Company overview: including sector, size, operations, and jurisdictions.
- IT infrastructure and controls: details on systems, backups, endpoint protection, MFA, and cloud use.
- Incident history: past cyber events or claims.
- Risk management practices: Employee training, third-party/vendor controls, and any regular testing (e.g. phishing simulations, vulnerability scans).
- Business continuity planning: Including disaster recovery procedures and RTO/RPO targets.
For larger or more complex risks, we may also request security assessments or reports from third-party vendors.
Lead underwriters
DUAL’s Nordic cyber underwriters are experienced, agile, and close to the market. With a strong track record in complex placements and platform-led SME distribution, we work side-by-side with you to tailor solutions fast.
