How new risks and legislation affect your insurance portfolio

Cyber crime continued to rise in 2025 and poses a growing threat to Belgian businesses. However, companies’ efforts in cyber security and insurance are paying off. Targeted prevention measures and improved incident support have limited the cost of four out of five cyber claims 20,000 euros, and cyber insurance premiums have fallen. New players with competitive rates are reinforcing this trend. At the same time, the risk of reliance on a single provider is still underestimated, and businesses that fail to adapt their insured amounts to their growth and current risks are in danger of being underinsured. This is clear from the Vanbreda Risk & Benefits annual cyber study.

How do you convert an understanding of the cyber threat into concrete action? Vanbreda supports companies with interactive workshops and realistic simulations that systematically boost cyber resilience. Davy Heremans, a cyber risk expert who works daily with the service specialising in Phishing as a Service and with cyber workshops at Vanbreda, explains how companies can strengthen their human firewall.

Cyber security is no longer a trifling concern: it’s a real and constant threat to every company. While the technology is evolving, the human factor often remains the weak link. Davy Heremans, cyber risk expert at Vanbreda, explains why prevention is the only way forward.

Cyber risks are now part and parcel of running a business. Despite this, some companies are clearly still sceptical about cyber insurance. Their doubts are unwarranted, because insurance of this kind is more than just a financial safety net: it also enables you to bring in professional IT support immediately in the event of a cyber incident, giving it double value. In this article, we discuss four arguments often put forward by companies for not taking out cyber insurance, and explain why it makes sense to give it serious consideration.