Cyber insurance is no longer just a question of comparing annual premiums or coverage limits. In practice, it now combines several layers of service: preventing an attack, mobilizing an incident-response team, restoring systems, and compensating for business interruption losses. On the French market, Stoïk, Dattak and Hiscox illustrate three distinct ways of structuring that offer.

Stoïk and Dattak represent a newer generation of cyber insurers built around a more operational model, while Hiscox reflects a more established insurance approach. The comparison between the three highlights how cyber risk coverage has evolved from a purely financial product into a broader service package centered on prevention, response and recovery.

The article underscores that the real value of a cyber policy can no longer be assessed solely through the size of the guarantee or the cost of the policy. What matters now is the insurer’s ability to help a company avoid an attack, react quickly if one occurs, restore critical systems and absorb the resulting operational losses.

Prévenir une attaque, mobiliser une équipe d’intervention, restaurer les systèmes puis financer les pertes d’exploitation : derrière une assurance cyber se trouvent désormais plusieurs services qui ne se comparent plus uniquement à partir d’un plafond de garantie ou d’une cotisation annuelle. Stoïk, Dattak et Hiscox illustrent trois approches du marché français. Les deux premiers ont …

L’article STOIK, DATTAK, HISCOX : trois offres, trois manières d’assurer le risque cyber est apparu en premier sur FRENCHWEB.FR : innovation, tech, network.