> For the complete documentation index, see [llms.txt](https://docs.stoik.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.stoik.io/broker/en/getting-started/underwriting-process.md).

# Underwriting process

With Stoïk, equipping your portfolio with cyber insurance has never been simpler: everything happens from the Broker Space, where you're guided to one of our three underwriting journeys based on your client's profile.

### Standard journey

This journey is for companies with revenue between €0 and €50 million. You are self-sufficient to design the insurance project, get an instant quote, and send the contract for signature from your Broker Space.

Conditions:

1. External scan score above 60/100: the external scan is automatically started as soon as the study begins, to assess your client's security level.
2. Validation of 5 coverage conditions: data collection, existence of a parent company, subsidiaries outside the EEA, backups in place, and antivirus in place.

### Simplified custom journey

This journey is designed for companies with revenue between €50 and €150 million. Like the standard journey, you are 100% self-sufficient to get an instant quote.

Conditions:

1. External scan score above 60/100.
2. Validation of around 10 coverage conditions, which may vary depending on your client's industry: data collection, existence of a parent company, subsidiaries outside the EEA, backups in place, antivirus in place, remote access via VPN, mailbox authentication via MFA, etc.

Moving to a custom underwriting process reviewed by our underwriting team can be considered in certain specific cases.

### Custom journey

This journey is for companies with revenue between €150 million and €2 billion, as well as those whose posture is deemed higher risk. Our underwriting and cybersecurity teams support you throughout this personalized study.

Condition:

1. From the Broker Space, you are invited to share information about your client's risk posture, in one of two ways:
   1. Questionnaire: share the underwriting questionnaire with your client by email, or add one from another insurer.
   2. Risk assessment meeting: schedule a one-hour meeting with your client, our team, and yourself.

{% hint style="info" %}
**What if your client is not eligible?**

Our cyber experts can help your client improve their security posture so they can become eligible. Contact us: <contact@stoik.io>!
{% endhint %}


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