Stoïk – Belgium (Stoïk SAS (France))
Assurance Cyber
Cyberversicherung
by Stoïk – Belgium
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.
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
- 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
Customer Contact
24/7 Crisis Hotline
CERT-Stoïk (24/7, <3 min response time; number in policy documentation)
Broker Contact