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:
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.
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:
External scan score above 60/100.
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:
From the Broker Space, you are invited to share information about your client's risk posture, in one of two ways:
Questionnaire: share the underwriting questionnaire with your client by email, or add one from another insurer.
Risk assessment meeting: schedule a one-hour meeting with your client, our team, and yourself.
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