As companies and organisations grow increasingly dependent on IT systems, digital platforms, and data to conduct their operations, the risks associated with the digital environment have grown in parallel. Cyberattacks, data breaches, ransomware, and system outages can generate significant financial losses, disrupt operations, and compromise a company’s reputation.
It is against this backdrop that digital protection insurance — also known as cyber insurance — has emerged as a critical risk management tool. The product is designed to protect businesses against certain financial losses and costs arising from cyber incidents, including cyberattacks, data theft or loss, and disruptions caused by security failures.
Coverage terms, however, vary according to the insurer, the type of policy, and the conditions agreed at the time of contracting. Among the situations that may be covered are the following:
Business Interruption
A policy may cover lost revenues and certain operational costs resulting from the interruption or suspension of business activities following a cyber incident.
Data Damage and Loss
Policies may compensate for losses related to the deletion, damage, alteration, or theft of data stored on computer systems and networks, where such losses result from a security breach covered under the policy.
Forensic Analysis
Some policies may fund technical investigations designed to identify the origin, scope, and consequences of a cyberattack, enabling a determination of which systems and data were affected.
Ransom Demands
Under certain circumstances, some policies may cover ransom payments and related costs, including the engagement of specialists to negotiate with attackers. This coverage is subject to applicable legislation and the specific conditions of the contract.
Data Recovery
Policies may provide financial and operational support to recover access to compromised information or to restore data from backups and other available sources.
Legal Fees
Coverage may extend to expenses for lawyers and other legal services required to address the legal consequences of a cyber incident, including matters related to data breaches.
Public Relations
Some policies include specialist communications services to help a company manage the public impact of an incident, communicate with various stakeholders, and mitigate potential reputational damage.
Customer and Regulatory Notification
A policy may cover the costs associated with notifying affected individuals and competent authorities of a data breach, where applicable legislation requires such notification.
Credit Monitoring
In certain cases, a policy may provide credit monitoring services for individuals affected by a data breach, such as customers or other holders of the compromised information.
Source: Diário Económico
Original article: https://www.diarioeconomico.co.mz/2026/09/16/economia/seguros/segures-o-que-cobre-um-seguro-de-proteccao-digital/
