THE ESSENTIALS
Before you start
- Separate recovery from operational restart.
- Record actual costs and downtime.
- Check providers and procedures.
The key distinction
Generali Tranquilidade presents business interruption losses in Cyber Risks. The actual response depends on the benefits and conditions purchased.
Sources: Generali Tranquilidade — Cyber Risks — checked on 22 October 2026 ↗
A decision in practice
Fictional example: a business restores its data within a day but takes longer to restore employee access. Its manager distinguishes technical recovery from the point when orders can again be processed. She does not classify every anticipated sale as a confirmed loss.
The next step
Record the timeline, tasks that could not be performed and extraordinary costs, with input from technical and financial staff. When circumstances allow, seek instructions about providers and expenses before making commitments. In the quotation, identify the indemnity period and any time excess. Use the review to understand how the continuity plan and insurance complement each other, including what remains the business's responsibility.
Read the cyber insurance guide and ask RMACHADO GROUP to help assess this specific question against the documents applicable to your situation in Portugal.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Separate recovery from operational restart.
- Record actual costs and downtime.
- Check providers and procedures.
- Read time excesses and benefit periods.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.