{"type":"document","data":{"id":"a4265105-910b-4ba1-be44-318b958bff72","localeString":"en-GB","publishDate":"2026-01-09T10:56:46.724+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Insurance against hacking and cyberfraud"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/business/services/contact-us","text":"Contact us"}},"secondaryCta":{"textLink":{"url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question","text":"ING client? Request your insurance"}},"coreHeader":{"body":"Insurance against hacking and cyber fraud. Not everyone is equally active online. That's why we propose insurance to protect you against online fraud and damage to your reputation: cyber insurance. Ideal if you have a website or are on social media for your business.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/8b79f3d5-aeab-46b3-a61a-328056eddc60/cybercrime-business-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7e9c315f13df9734/original/cybercrime-business-1920.jpg","extension":"jpg"},"title":"Insurance against hacking and cyber fraud for companies","subtitle":"Cyber insurance. Insurer : AXA Belgium","promoText":"Up to 15% discount!"},"backLink":{"textLink":{"url":"/en/business/insurance","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Everything about the Cyber insurance"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/d05ee0ef-e4db-4e20-8b55-9ee0a67204a3/remotejobworkhomecatheadphonesnopadding","type":"image","width":956,"original":"https://assets.ing.com/m/429bbe365fbc359f/original/remotejobworkhomecatheadphonesnopadding.svg","extension":"svg"},"highlighted":false,"items":[{"body":"Technical assistance in the event of hacking or loss of data. The costs of repurchasing software and making backups are refunded.","title":"Technical help"},{"body":"Financial protection in the event of lost sales due to, e.g., a server failure. So you can make up for lost revenue.","title":"Protection"},{"body":"We offer various alternatives: cleaning up and possibly repressing the harmful information, mediation or even legal action.","title":"Damage reputation"}]},{"componentType":"sectionTitle","title":"What is cyber insurance and who is it for?"},{"componentType":"paragraph","richBody":{"value":"<p>The Cyber insurance consists of various coverages that protect you against the cyber risks of your professional activity. You can opt for a standard formula and/or a comprehensive formula which, subject to conditions, provides for an increased indemnity and, within the framework of the &apos;Cyber extortion attempt&apos; coverage, the reimbursement of any ransom demanded.</p>"}},{"componentType":"sectionTitle","title":"Contract duration and amount of the premium?"},{"componentType":"paragraph","richBody":{"value":"<p>Your contract has a term of <strong>one year</strong>. On each annual expiry date, the contract is automatically renewed for a further period of one year, unless you terminate it at the latest three months before the expiry date.</p><p>The Cyber-insurance contract is tailored to your personal needs, which means that the premium is personalized.</p>"}},{"componentType":"sectionTitle","title":"Average online turnover and not so large IT system"},{"componentType":"paragraph","richBody":{"value":"<p>You can opt for a standard formula with an insured amount of 50,000 euros per claim or a comprehensive formula with an insured amount of 100,000 euros per claim. For both formulas, there is a limit of 15,000 euros for the recovery of data following a virus.</p><p>In this way you are insured for, among other things :</p><ul><li><strong>damage to data and programs</strong>: the cost of repurchasing software and making backups will be refunded;</li><li><strong>violation of personal data protection and notification </strong>(customer data is disseminated without authorization): the cost of finding the perpetrator and informing your customers will be refunded;</li><li><strong>cyber-compression attempts</strong>: the cost of removing the virus will be refunded;</li><li><strong>loss of turnover if your web shop no longer works</strong>: we reimburse the estimated loss of turnover and damage to your reputation (with an underlying limit of 1,500 euros per day);</li><li><strong>civil cyber liability</strong>: we compensate damage to third parties, e.g. image damage or violation of private life. The insurance covers your civil liability up to 250,000 euros per claim and per insurance year;</li><li><strong>damage to your online reputation</strong>: we reimburse the amicable procedure, removal of offensive comments on social media, mediation and judicial solution.</li></ul>"}},{"componentType":"sectionTitle","title":"Main exclusions and limitations of this insurance"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Absence, non-updating, deactivation and inactivation of an antivirus and/or firewall and known system security deficiencies;</li><li>successive claims due to the same cause, use of illegally acquired software and unlawful collection of data;</li><li>costs of improving the computer system, programs and data or the security system;</li></ul><p>Please read the <a href=\"https://assets.ing.com/m/7108b4e2462e5aaf/original/ipid-cyber-protection-fr.pdf\">product information document (PDF - FR)</a> and the General Terms and Conditions before signing. You can obtain the General Terms and Conditions at your <a data-type=\"internal\" href=\"/en/business/services/contact-us\">ING branch</a></p>"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<ul><li>If your company uses the Windows XP operating system, you cannot take out insurance against hacking and cyber fraud.</li><li>If your company has already been the victim of a cyber-attack, we will carry out an additional investigation before you can take out the insurance.</li><li>The legal aid option has been split up into various partial guarantees with exemptions.</li></ul>"}},{"componentType":"sectionTitle","title":"Other information"},{"componentType":"paragraph","richBody":{"value":"<p><strong>About the insurance policies and conflicts of interest</strong> : you can find general information about the insurance policies and a description of the conflict of interest policy, including the benefits:</p><ul><li>of ING Belgium nv, as insurance intermediary: Go to <a data-type=\"internal\" href=\"/en/business\">www.ing.be</a> and then follow &quot;Rates and Regulations &gt; Information and Regulations &gt; Insurance policies&quot;.</li><li>of AXA Belgium, as insurance company: go to <a href=\"https://eur02.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.axa.be%2F&amp;data=05%7C01%7CValerie.Anecaert%40ing.com%7Ca04b8acaa8d143b5677808dae7f4d24c%7C587b6ea13db94fe1a9d785d4c64ce5cc%7C0%7C0%7C638077335924601291%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=VgeEr4eJJtXgtFn95f60X7SMFPveC1ZzoRDSisVhuvw%3D&amp;reserved=0\">www.axa.be</a>.    </li></ul>"}},{"componentType":"sectionTitle","title":"Interested ?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Please read the <a href=\"https://assets.ing.com/m/7108b4e2462e5aaf/original/ipid-cyber-protection-fr.pdf\">information document about the product (PDF - FR)</a> and the general terms and conditions before signing. You can obtain the general terms and conditions at your ING branch.</li><li><a data-type=\"internal\" href=\"/en/business/services/contact-us\">Contact us</a>.</li></ul>"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"<p>Not entirely satisfied with the distribution of this product?</p><p>Our Complaints Department and Ombudsman are there to help you.</p><p><a href=\"https://www.ing.be/en/individuals/services/complaint-handling\">How do I submit a complaint?</a></p><p>Not completely satisfied with your AXA Cyber Insurance?</p><p>Contact AXA online: <a href=\"mailto:customer.protection@axa.be\">customer.protection@axa.be</a></p><p> </p>"}},{"componentType":"sectionTitle","title":"Making declaration or changing policy."},{"componentType":"paragraph","title":"Reporting a claim","richBody":{"value":"<p><strong>Accident? </strong></p><p>Go to <a href=\"https://myaxapro.corporate.axa.be/fr\">https://myaxapro.corporate.axa.be/fr</a> and report the claim.</p><p><strong>Do you prefer another way?</strong></p><ul><li>Accident? <a href=\"https://www.ing.be/Assets/Documents/IT-sinistre-FR.pdf\">Download the declaration form (PDF)</a> complete it and email it to <a href=\"mailto:claims.corporate.property@axa.be\">claims.corporate.property@axa.be.</a> Or call +32 2 550 05 55 for assistance.</li><li>Do you need legal assistance? <a href=\"https://www.ing.be/Assets/Documents/IT-juridisch-FR.pdf\">Download this document (PDF),</a> complete it and email it to <a href=\"mailto:declaration@lar.be\">declaration@lar.be.</a></li></ul><p><strong>Changing your policy</strong></p><p>Go to <a href=\"https://myaxapro.corporate.axa.be/fr\">https://myaxapro.corporate.axa.be/fr</a> or send an email to <a href=\"mailto:portfolio.corporate@axa.be\">portfolio.corporate@axa.be</a> stating what you&apos;d like to change.</p><p><strong>Terminating your policy</strong></p><p>Go to <a href=\"https://myaxapro.corporate.axa.be/fr\">https://myaxapro.corporate.axa.be/fr</a> or <a href=\"https://www.ing.be/Assets/Documents/IT-opzeg-FR.pdf\">download the termination form</a>, complete it and email it to <a href=\"mailto:portfolio.corporate@axa.be\">portfolio.corporate@axa.be</a>.</p>"}},{"componentType":"sectionTitle","title":"Services and contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Other questions regarding this AXA insurance?","intro":"Call our helpdesk at +32 2 464 64 04.","image":{"transformBaseUrl":"https://assets.ing.com/transform/fb586e4b-8931-40ac-b0fc-3f1b9b7f2655/Contact-Call_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/3cbd3f09abb1e2be/original/Contact-Call_Outline.svg","extension":"svg"},"link":{"url":"tel:003224646404"}}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/business/services","text":"More services and how to contact us"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Free Supplementary Pension for the Self-employed (FSPSE)","image":{"transformBaseUrl":"https://assets.ing.com/transform/5b8fc273-58cc-4d2c-9a2b-04d3b9e8d868/pension-self-employed-business-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/332d21de4621c301/original/pension-self-employed-business-1920.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/pension-self-employed-business"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","title":"The cyber insurance is subject to Belgian law. It is offered to you, subject to acceptance by :","richBody":{"value":"<p><strong>Insurance intermediary</strong> : ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - <a data-type=\"internal\" href=\"/en/business\">www.ing.be</a> - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.</p><p><strong>Insurer :</strong> AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: <a href=\"http://www.%20axa.be/\">www. axa.be </a>- Tel.: <a href=\"tel:003226786111\">+32 2 678 61 11</a> - Fax: <a href=\"tel:003226789340\">+32 2 678 93 40</a> - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"}}]}}}