Leader Team Broker: NIS2 Directive turns cybersecurity into a strategic obligation. Cyber ​​Insurance becomes a key tool for compliance, financial protection and resilience

Bucharest, October 14, 2025. In an almost completely digitalized economy, where companies in all sectors benefit from expanded development opportunities, the discussion about cyber risks and associated vulnerabilities is more relevant than ever. Currently, no organization is immune to cyber risks, and insurance – and especially Cyber ​​policies – has transformed from a protection option into a critical component of the risk management and business continuity strategy.

In a context where a single incident can significantly affect the activity or reputation of an organization, the need for advanced protection measures is imperative. And, in addition to technical IT security solutions, comes insurance, which is no longer perceived as an additional cost, but as an essential element, part of the development strategy of any company, regardless of the field in which it operates. Especially since, at the EU level, the NIS2 Directive imposes new requirements on companies in essential sectors, which transform digital security from a technological option into a strategic business obligation, and Cyber ​​insurance becomes an essential tool for compliance, financial protection and operational resilience.

At the conference-debate “Cyber ​​Insurance & NIS2 – Regulation, risk and liability in the digital age”, organized by Leader Team Insurance Broker, attended by cybersecurity and insurance experts from Romania and abroad, the discussions focused on explaining the new legislative requirements, as well as identifying concrete solutions for Romanian companies affected by the new NIS2 Directive, highlighting how Cyber ​​insurance can become a strategic pillar of protection and resilience in the digital age.

At the end of 2024, Romania took a major step towards strengthening cybersecurity, by transposing the European NIS2 Directive into national legislation, with thousands of companies in strategic areas such as energy, transport, health, digital infrastructure, industrial production, water, IT services, public administration or telecommunications falling under the scope of the new rules.

“In an increasingly digitalized economy, cybersecurity is no longer an option, but a strategic necessity. We are talking about a new organizational culture in which IT security becomes an integral part of the business strategy. The NIS2 Directive is not just a law, it is a paradigm shift, which reminds us that protecting digital infrastructure and data is essential for the continuity of any business. In this context, Cyber ​​insurance has also evolved naturally and has transformed from simple financial instruments into complete risk management solutions. They offer not only compensation, but also concrete support in the event of a cyber incident: access to IT, legal, communication specialists and rapid response plans. Through the products developed by Leader Team Broker, we help companies be more resilient, better prepared and more protected. And investing in a Cyber ​​policy is not just a measure of compliance with NIS2, but an essential step towards safety, trust and long-term stability,” said Alexandra Elena Durbacă, CEO Leader Team Insurance Broker.
Cyber ​​Insurance, from niche product to necessity

A single security breach can block a company for days, and the costs of recovery, notification, consulting, PR and possible compensation can easily exceed several hundred thousand euros. Without insurance, a business can collapse. In this context, Cyber ​​insurance is no longer seen as a niche product, with 2025 marking the moment when this specialized policy becomes a tool for corporate survival.

“The financial, operational and reputational impact of a single incident can be major — from ransomware attacks that block operations for days, to security breaches that expose sensitive information and attract sanctions from the authorities. Today, companies have a wide range of cyber insurance solutions at their disposal, designed to protect them against the financial and operational consequences of a security incident. At the same time, modern insurers, such as CFC, emphasize prevention, not just reaction, offering proactive services such as vulnerability scans, phishing training or continuous monitoring. A comprehensive Cyber ​​policy usually covers incident response costs, business interruption, data restoration, ransomware attacks, as well as third-party liability, such as data breaches or sanctions imposed by the authorities. However, the real value of such insurance also lies in the immediate operational support: 24/7 access to specialized teams of IT experts, lawyers, crisis communication and recovery specialists, who can intervene quickly to limit damages. Our recommendation is that organizations take a proactive approach and combine the protection offered by insurance with solid prevention measures: multifactor authentication (MFA), regular system updates, employee training and clear incident response plans. No company can completely eliminate cyber risk, but through a combination of cyber resilience and financial protection, the impact of attacks can be significantly reduced and a rapid recovery after a major incident can be ensured,” said Georgia Dicker, Cyber ​​Insurance Expert for UK&EU CFC Underwriting – Lloyd’s of London.

NIS2 compliance, between legal obligation and digital survival strategy

Companies falling under the scope of the NIS2 Directive must demonstrate that they have cyber governance policies, rigorous access controls, clear risk management processes and business continuity plans. They are also required to notify major incidents within 24 hours, provide a detailed report within 72 hours and a final report within a month. Failure to comply with the requirements can result in severe penalties – up to €10 million or 2% of global turnover for critical entities.

While these requirements may seem like a bureaucratic burden to many organisations, they are actually an exercise in digital maturity. In a connected economy where a single breach can bring entire supply chains to a halt, NIS2 compliance is about protecting your business, your partners and your customers. Cyber ​​threats can come from anywhere, and not necessarily through elaborate schemes, but more often than not, by exploiting human weaknesses.
“In recent years, cyberattacks have become increasingly sophisticated and difficult to detect, and companies are often caught by surprise. The most common methods used by hackers are not necessarily the most technically complex, but those that exploit human weaknesses and lack of security discipline. We are talking about phishing and spear-phishing, through which users are tricked into revealing sensitive information, or ransomware attacks, which encrypt data and can completely block the activity of an organization. Still, unpatched vulnerabilities and weak passwords remain a wide open door for attackers, and compromising the supply chain has become an increasingly common method to reach seemingly well-protected targets. For companies that want to reduce risks, the first step is to focus on the basics: multi-factor authentication, regular system updates, tested backups and constant employee training. A large part of major incidents could be avoided just by these simple measures, but applied correctly and consistently. It is equally important for organizations to know their suppliers, to ask for security guarantees and to have a clear response plan in case of an incident. In a constantly changing digital landscape, security is no longer an exclusively technical issue, but a strategic one. We are no longer just talking about protecting data, but about protecting reputation, customers and business continuity. A company that treats cybersecurity as a real priority already has a significant competitive advantage,” explained Matei Josephs, CEO of HiveHack.

Critical areas for which NIS2 requirements are essential

According to Leader Team Broker de insurance, the increase in demand for Cyber ​​insurance and NIS2 compliance will be significant in three main areas:

• Energy and renewable energy, where digital systems and interconnected infrastructures are essential for operation;
• IT and digital services, which include cloud, telecom and software providers;

• Health, transport and public infrastructure, areas where an attack can affect the safety of citizens and the functioning of public services.

As a result, Leader Team Broker de insurance has developed, in partnership withCFC Underwriting (Lloyd’sof London) and other international leaders in the insurance field Cyber, packages dedicated to companies in energy, IT, healthcare, services and critical infrastructure – sectors where NIS2 requirements are essential.

“We are observing an accelerated maturation of the market. More and more organizations are treating cyber risk in the same register as operational and ESG compliance risks. In fact, Cyber, ESG and green energy are becoming interdependent pillars of the same sustainability and resilience strategy. In the renewable energy area, cyber risks are directly linked to the operation of equipment and energy production. SCADA, IoT systems and monitoring platforms make these companies vulnerable to attacks that can stop production and generate massive losses. Our Cyber ​​& Operational Risk Insurance packages are designed specifically for these scenarios, providing coverage for business interruption, ransomware attacks, human errors or technological failures”, added Alexandra Elena Durbacă, CEO Leader Team Broker.
In a world where cyber attacks are increasingly frequent and sophisticated, prevention and financial protection are the best forms of defense. An insured company can not only resume its activity faster, but also benefits from the support of specialized teams that manage the crisis in real time.

With almost 20 years of experience in the insurance market and recognized for its innovative solutions in the corporate field, Leader Team was the first broker in Romania to introduce complex insurance products against cyber risks, adapted to local specifics. Currently, the company offers personalized packages for SMEs, large companies, public institutions and organizations in sensitive fields – from IT and e-commerce, to health, logistics or energy -, both in Romania and in 24 European countries. Each package is configured together with leading international insurance partners and comes with full consulting support, risk audit and education in the field of cybersecurity.

About Leader Team Insurance Broker:

Leader Team Broker is one of the most highly regarded corporate insurance brokers in Romania and Europe, with over 19 years of experience in risk consulting and insurance solutions dedicated to companies. Recognized as one of the best corporate insurance brokers, Leader Team offers customized solutions for small, medium and large companies, adapted to the specific needs of each field of activity. With a specialized product portfolio and an innovation-focused approach, the company is recognized as one of the most agile and innovative players on the brokerage market, with unique solutions developed for industries such as IT, renewable energy, aviation, healthcare, cybersecurity, automotive, marketing and HR.

Leader Team Broker was named “Insurance Broker of the Year” by the British publication Corporate LiveWire for three consecutive years (2021, 2022, 2023), due to the creativity and adaptability demonstrated in developing innovative products for emerging industries. The company was also included in the top 20 global providers of cyber security insurance solutions by the London-based publication Treat Technologies, alongside other international industry leaders.

In 2020, Leader Team received the awards “Insurance Broker of the Year” from Piața Financiăra and “Cybersecurity Insurance of the Year” from Financial Intelligence. The company also stood out for adopting modern technology to automate operations, being awarded for “Innovation and Digitalization” and “e-Risk” at the e-Finance Gala 2020. This year, Leader Team Broker received the “Premium for Excellence in Corporate Insurance” at the Club Antreprenor Gala.

Details on https://leaderteam.ro/en/

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