CyberContract (Stoïk SAS (France))
Cyber Insurance
by CyberContract
B2BN/AMGANIS2Broker onlyEU / EEAFrench
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Up to €10M; bespoke above.
Min Premium / Revenue
Insurance limit: €10M. Turnover limit: €1B.
Market Focus
SME.
Coverage
Cyber crime / FTF
AM Best Rating
N/A – MGA (risk carrier: Tokio Marine HCC Intl, A+)
MGA / Direct
Yes – MGA.
Policy Language
French / Dutch / English
NIS2 / DORA Support
NIS2 and DORA compliance advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
EU / EEA.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- CyberContract: Belgium's pioneer cyber insurer (founded 2014); acquired by Stoïk in September 2025 — now operating under Stoïk's product and infrastructure.
- Post-acquisition capacity: maximum guarantee increased from €3M to €10M; insurable revenue ceiling raised from €150M to €1B (matching Stoïk's European standard).
- New coverages added post-acquisition: CEO fraud, cloud overbilling, PCI sanctions, IT equipment replacement costs.
- Coverage: cyber attack response, BI loss, data breach RC, ransomware/extortion, GDPR notification, legal costs, IT forensics.
- Incident hotline: first player in Belgium to offer a dedicated cyber hotline; initial response within 8 hours; costs covered up to €25,000 even if claim not ultimately accepted.
- Network: 150+ Belgian independent broker partners; 1,000+ companies in portfolio pre-acquisition.
Limitations
- SME-only product; coverage subject to revenue and limit thresholds (see threshold column).
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
CERT-Stoïk (24/7, <3 min response time; number in policy documentation)
Broker Contact