Assurance Cyber
Assurance Cyber is a cyber insurance product underwritten by Stoïk (Stoïk SAS (France)), available in France. It is aimed at small and medium-sized businesses. Coverage limits reach up to Up to €10M; bespoke above.. Policyholders get 4 bundled proactive services — Phishing simulation, Threat intelligence, MDR / EDR and Email security — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of N/A – MGA (risk carrier: Tokio Marine HCC Intl, A+). The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Stoïk Protect: continuous risk prevention platform — monitors DNS records, scans for password leaks, and recommends changes to cloud and Active Directory configurations.
- Stoïk MDR: managed detection and response service (launched Apr 2024); provides SMEs with SOC-level endpoint detection and response without dedicated in-house staff.
- Automated underwriting: digital broker platform replaces traditional questionnaires with automated security tests; quote generated in minutes.
- AI-powered 360° risk prevention model.
- Series B (Oct 2024, €25M, led by Alven; backed by Andreessen Horowitz, Munich Re Ventures, Tokio Marine HCC International, Opera Tech Ventures, Anthemis).
- 5,000+ policyholders by end-2024; €25M annual premiums; strong underwriting profitability.
- 1,500+ partner brokers across France, Germany and Austria; Cologne office generating several million euros via 100+ local brokers.
Limitations
- SME-only product; coverage subject to revenue and limit thresholds (see threshold column).
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Assurance Cyber designed for?
Assurance Cyber by Stoïk targets small and medium-sized businesses in France. Geographic scope: EU / EEA..
+What proactive security services are included with Assurance Cyber?
The policy bundles 4 proactive services: Phishing simulation, Threat intelligence, MDR / EDR and Email security. These preventive services are typically included in the premium.
+Does Assurance Cyber help with NIS2 or DORA compliance?
Stoïk indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy Assurance Cyber in France?
Assurance Cyber is sold through insurance brokers — broker contact: https://www.stoik.com/en-us/brokers. Compare it with alternatives in France on Ryskly before approaching a broker.