Insurance
Insurance
Product Family
Product Family
Industries
Industries
Reinsurance
Reinsurance
Explore our offerings
Explore our offerings
Claims
Claims
Risk Consulting
Risk Consulting
Fast Fast Forward
Fast Fast Forward
Resources & Tools
Resources & Tools
Resources and Tools
Resources and Tools
About AXA XL
About AXA XL
About AXA XL
About AXA XL
Media Center
Media Center
Careers
Careers
Get In Touch
Get In Touch

Cyber Insurance Coverage

Europe & APAC

In today’s hyper-connected world, cyber threats rank among the most critical risks for businesses of all sizes across Europe and the Asia-Pacific region. From data breaches to ransomware attacks, the frequency and sophistication of cyber-attacks continue to escalate—making comprehensive cyber insurance essential for long-term resilience.

At AXA XL, we offer tailored cyber insurance solutions designed to help organizations across diverse industries manage and mitigate cyber risk. Our modular cyber and data protection policy provides broad protection for both first-party losses and third-party liabilities. Along with these extensive and flexible coverages, we deliver a range of services to help you prevent cyber-attacks and respond swiftly and effectively if your business is targeted. With deep expertise in cybersecurity and risk management, AXA XL helps you stay one step ahead of evolving digital threats.

CYBER COVERAGE

Our cyber insurance policy offers comprehensive protection against the most pressing digital threats, helping businesses manage cyber risk with confidence.

Third party liability:

  • Data breach security and privacy liability
  • Media internet communications

First party losses:

  • Business interruption and extra expense
  • Loss / destruction of electronic assets
  • First party incident responses including IT forensics, notification costs, call center and PR expenses
  • Privacy regulatory defense costs and coverage of regulatory fines and penalties (where insurable by law) arising from a privacy or security wrongful act
  • Data restoration
  • Cyber extortion

We can also add cyber and data protection coverage to communications, media and technology companies either on a standalone basis or as part of a broader professional indemnity policy.

Benefits and Services

What makes our cyber policy different?

Our policy form is easy to read and navigate. Our policy includes broad terms and extensive cyber coverage for continuous and evolving cyber risks. More specifically, the policy provides for:

  • Expanded privacy and security coverage to include confidential business information in addition to personally identifiable information and protected health information
  • Enhanced privacy regulatory coverage, including any fines and penalties assessed (where insurable by law) arising from a privacy or security wrongful act
  • One coverage grant for data breach response and crisis management costs, including voluntary notification and the costs of a PCI forensic investigator to conduct an audit after a breach or suspected breach
  • Coverage for PCI fines and assessments available by endorsement
  • Coverage for a wide range of business interruption trigger (including outsource service providers) available by endorsement

Post breach response partners

As part of our Cyber coverage, we provide access to best-in-class breach response services with specialized teams who are ready to help 24/7. They specialize in:

  • IT forensics
  • Incident response
  • Forensic accountancy
  • Cyber extortion management and payment
  • Public relations
  • Legal advice / support
  • First notification of loss
  • Identity protection
  • Regulatory notifications
  • Public Notifications including call center

These services support our clients with end-to-end cybersecurity protection—from incident identification to post-breach recovery.

AXA XL CyberRiskConnect: Expanded Coverage and Superior Incident Response

AXA XL is dedicated to helping clients strengthen their preparedness and response to cyber events. That’s why we developed AXA XL CyberRiskConnect, our enhanced cyber and technology insurance solution. Designed with clarity and flexibility in mind, this policy offers expanded coverage for emerging cyber risks combined with end-to-end cybersecurity support.

As part of this offering, clients have access to Cyber Incident Response Services, delivering 24/7/365 support from experienced providers who guide them through every phase of a cyber event—from notification to resolution.

CyberRiskConnect Product Sheet APAC & Europe

Cyber Incident Response Services Brochure APAC & Europe

Cyber Insurance Endorsement for the Construction Industry

As construction companies increasingly rely on digital tools—from AI and 3D modeling to IoT and supply chain platforms—their exposure to cyber threats grows. Recent cyber-attacks targeting construction firms have resulted in significant delays, business disruptions, financial losses, and damage to reputations.

Recognizing these unique risks, AXA XL offers a specialized Construction Endorsement within our CyberRiskConnect policy, tailored for the construction sector in Europe and APAC. This targeted coverage helps mitigate the financial impact of cyber incidents helping construction firms stay resilient and keep projects on track.

Read more

Cyber Endorsement for Generative AI Risks

Data poisoning, regulatory violations and usage rights infringement are some of the risks that businesses may face when developing their own Generative AI models. To address these challenges, AXA XL offers a Generative AI Endorsement as part of the CyberRiskConnect policy, that extends coverage to mitigate specific Generative AI risks.

CyberRiskConnect Gen AI Product Sheet

FAQs Gen AI endorsement

Contact our Cyber Team for Europe and APAC

Hands typing on the laptop
Fast Fast Forward
The cyber insurance market is now well established in the United Kingdom. Clients are able to access coverage and to build up their resilience by making use of the risk management capabilities that form part of the cyber insurance solution. But threat actors are continually honing their own capabilities
Social Media Copyright and Libility Risks
Fast Fast Forward
If your business posts memes, stitches TikToks, drops a Reel with a chart-topping song, or grabs “random” photos and GIFs for a campaign, you’re playing with copyright fire. Statutory damages in the U.S. can run up to $150,000 per work for willful infringement. Even non willful mistakes
AI in Focus
Fast Fast Forward
AI is changing the game across various industries, transforming how businesses operate, make decisions, and create value. In healthcare, it's enhancing diagnostics and personalizing treatments. In finance, it helps detect fraud in real time and optimize risk modeling. Retailers are using AI to tailor

Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., AXA XL Insurance Company Americas, XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group.

Talk with us

You are contacting AXA XL, the P&C and Specialty division of AXA. We provide Re/Insurance to mid-sized and multinational companies, and some high-net-worth individuals.

If your enquiry pertains to personal insurance, please contact AXA.

The controller of your personal data is the AXA XL company you wish to contact with your request. The privacy policy applicable to this company can be found at: https://axaxl.com/privacy-notice

Enter your First Name
Enter your Last Name
Enter your valid Email ID
Select your country
Select What best describes you
THIS AXA WEBSITE USES COOKIES

AXA XL, as a controller, uses cookies to provide its services, improve user experience, measure audience engagement, and interact with users’ social network accounts among others. Some of these cookies are optional and we won't set optional cookies unless you enable them by clicking the "ACCEPT ALL" button. You can disable these cookies at any time via the "How to manage your cookie settings" section in our cookie policy.

Find Out More About the Cookie Policy Privacy Notice
Accept All
Refuse All
Cookie Settings