Stoïk
Stoïk is a French cyber insurtech that bundles cyber insurance with prevention, MDR, email security, and in-house incident response, distributed exclusively through 2,000+ European insurance brokers to SMEs and mid-sized companies.
- Company typePrivate
- Founded2021
- HeadquartersParis, France
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Stoïk does
Stoïk is a Paris-headquartered cyber insurtech founded in 2021 that bundles cyber insurance with active cybersecurity software and in-house incident response for European small and medium-sized enterprises. The company's core product is a cyber insurance policy covering data leakage, ransomware, fraud, business interruption, and third-party liability, with coverage up to €10 million for businesses with turnover up to €1 billion. Premiums are quoted and underwritten 100% online through the Stoïk Broker Space platform, distributed exclusively via a network of more than 2,000 insurance brokers across France, Germany, Spain, Austria, Belgium, and the Netherlands.
The technology stack centers on a 360° model combining insurance with three operational layers: (1) Stoïk Protect, a prevention platform offering external/internal scanning, phishing simulation, and employee training, claiming identification of 20,000+ vulnerabilities annually with 70% critical remediation; (2) Stoïk MDR, a managed detection and response service integrating third-party EDR technology from CrowdStrike, SentinelOne, and Microsoft with 24/7 monitoring by in-house cybersecurity experts, marketed to reduce incident probability by 50% and lower premiums by 15%; and (3) Managed Email Security, an AI-powered module detecting phishing and business email compromise via Microsoft 365 and Google Workspace APIs. Underlying the stack is Stoïk CERT, an in-house Computer Emergency Response Team described as unique among French insurers, delivering 24/7 incident response with a stated under-12-hour average recovery time. Insurance capacity is provided by Tokio Marine HCC (primary carrier, A+ rated), Swiss Re (reinsurance), and Axeria IARD.
Commercially, Stoïk operates a B2B2B model with no direct-to-customer sales. Brokers are the sole distribution channel, generating quotes in seconds through the broker platform and accessing cyber risk consultants for client support. Revenue streams are subscription-style recurring: cyber insurance premiums, MDR services, and email security modules. Pricing is quote-based and not publicly disclosed, with bundling incentives tying MDR and email security to premium discounts and higher fraud sublimits. The company has raised approximately €65M+ across seed, Series A, a Munich Re-led extension, Series B (€25M, October 2024), and Series C (€20M, January 2026), and in September 2025 acquired Belgian cyber brokerage CyberContract. Headcount is in the 101–250 range, with regional teams in six countries.
Stoïk firmographics
Firmographics- Name
- Stoïk
- Legal name
- Stoïk (Société par actions simplifiée)
- Website
- https://stoik.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Stoïk is a French cyber insurtech that bundles cyber insurance with prevention, MDR, email security, and in-house incident response, distributed exclusively through 2,000+ European insurance brokers to SMEs and mid-sized companies.
- Ownership category
- akta.pro rank
Stoïk industry classification
Industry- Product category
- Cyber Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Security Systems Services (except Locksmiths) (561621)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Standalone Cyber Liability Insurance (FSAJAOAA)
- akta.pro secondary industries
- Cybersecurity Architecture & Security Integration (BPAEAAAL), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Stoïk is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices6 records
Markets served
Stoïk business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Supply Chain
Revenue model
- Cyber Insurance Premiums: Stoïk earns revenue through cyber insurance premiums, offering coverage up to €10 million for businesses with turnover up to €1 billion. The insurance product is bundled with prevention tools and incident response services.
- MDR Services: Managed Detection & Response services providing 24/7 monitoring and incident response. MDR deployment can reduce insurance premiums by 15% and helps prevent ransomware-related claims.
- Managed Email Security: Additional security module providing enhanced fraud coverage with increased sublimits up to 40% of Sum Insured (capped at €1m) and elimination of fraud deductibles for clients implementing the solution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Cyber insurance with bundled prevention and response services |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Stoïk product offering
Product offeringCore offering
Stoïk combines cyber insurance coverage (up to €10M for businesses with turnover up to €1B) with active cybersecurity prevention tools and 24/7 in-house incident response services. Products include the Stoïk Protect prevention platform, MDR, Managed Email Security, and a dedicated CERT team, all distributed exclusively through a network of 2,000+ insurance brokers across Europe.
Product overview
Stoïk operates a platform-plus-modules architecture combining cyber insurance with integrated prevention and detection services. The core offering centers on cyber insurance with coverage up to €10 million, bundled with the Stoïk Protect prevention platform (external/internal scanning, phishing simulation, training). Add-on modules include Stoïk MDR for managed detection and response, Managed Email Security for AI-powered email threat detection, and Cyber Pro IT for specialized IT company coverage. Stoïk CERT provides in-house 24/7 incident response, and the Broker Platform enables insurance brokers to quote and manage policies. The 360° model aligns insurance interests with cybersecurity prevention, powered by AI for email security and anomaly detection.
Differentiator
Problem solved
Functional benefit
Brands
- Stoïk Protect: Prevention platform combining security tools with continuous monitoring by Stoïk's SOC and CERT team to reduce cyber risk.
- Stoïk MDR (Managed Detection & Response)
- Stoïk Email Security
- CyberContract
- CERT-Stoïk
Products and services
- Stoïk Cyber Insurance Comprehensive cyber insurance policy covering data leakage, ransomware, fraud, business interruption, and third-party liability. Coverage limits up to €10M for SMEs and mid-sized companies with turnover up to €1B. Backed by Tokio Marine HCC, Swiss Re, and Axeria IARD as primary carriers and reinsurers.
- Stoïk Protect Prevention platform bundled with insurance, providing external/internal scanning, phishing simulation, and employee training. Identifies 20,000+ vulnerabilities yearly with 70% of critical vulnerabilities remediated through proactive alerts, reducing cyber incident probability by 50%.
- Stoïk MDR (Managed Detection and Response) Managed Detection & Response service combining EDR technology with 24/7 monitoring by more than 20 cybersecurity experts. Backed by CrowdStrike, SentinelOne, and Microsoft EDR technologies. Reduces insurance premiums by 15% when deployed and helps prevent ransomware-related claims.
- Managed Email Security AI-powered email threat detection module that analyzes email content and account activity to prevent phishing, financial fraud, and business email compromise (BEC). Native API integration with Microsoft 365 and Google Workspace, monitored by the Stoïk SOC. Provides increased fraud sublimits up to 40% of sum insured (capped at €1M).
- Stoïk CERT (Computer Emergency Response Team) In-house Computer Emergency Response Team available 24/7 for incident response and crisis management. Manages end-to-end claims from investigation through compensation with less than 12 hours average recovery time. Only insurance company in France with such a dedicated team.
- Broker Platform (Broker Space) Digital platform for insurance brokers enabling 100% online underwriting, quote generation in under 10 seconds, policy management, performance tracking, and access to cyber experts. Available in French, German, Spanish, Dutch, and English for businesses up to €150M turnover.
- Cyber Pro IT Specialized combined Professional Liability (RC Pro) and Cyber insurance product for IT and digital sector companies. Designed for digital sector companies whose standard contracts do not effectively cover cyber threats.
Quantifiable outcome
- 50% reduction in cyber incident probability through active prevention and detection
- +7 more outcomes
Companies that use Stoïk
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Stoïk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability3 records
Feature4 records
Stoïk partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Tokio Marine HCCcorePrimary insurance carrier and reinsurance partner. Founded in 1974, world leader in insurance, rated 'A+' by Standard & Poor's. Provides insurance capacity for cyber policies.
- Swiss RecoreGlobal reinsurance partner. Established in Zurich in 1863, world's second-largest insurance and reinsurance company.
- Axeria IARDcoreFrench insurance carrier. Rated 'A-' by AM Best, French leader in business and professional property insurance.
- CrowdStrikecoreEDR technology partner for Managed Detection & Response service. Top-ranked in Gartner Magic Quadrant, high MITRE ATT&CK detection rates, widely adopted globally.
- SentinelOnecoreEDR technology partner for MDR service. Recognized by leading analyst reports including Gartner Magic Quadrant.
- MicrosoftcoreEDR technology partner for MDR service. Enterprise-grade security solutions integrated into Stoïk's managed detection offering.
- 700+ CERT Teams WorldwideminorNetwork of computer emergency response teams globally for incident response support and expertise sharing.
Scale indicators8 records
Recent moves10 records
Expansion highlights7 records
Stoïk competitors and assessment
Company assessmentDirect peers
- Coalition: US-headquartered cyber insurtech combining active monitoring, incident response, and cyber insurance for SMEs. Closest direct analog to Stoïk's bundled insurance+security model, though focused on North America and the UK.
- At-Bay: Cyber insurance MGA offering bundled security insights and active monitoring to SME and mid-market clients. Comparable product architecture and target customer base to Stoïk.
- Cowbell Cyber: AI-powered cyber insurance provider for SMEs with risk engineering services bundled into coverage. Direct competitor in the SME cyber insurance space with similar broker-distributed model.
- Resilience: Cyber insurance and security solutions provider combining insurance with risk quantification and incident response services. Comparable integrated approach targeting mid-market and enterprise.
Broad incumbents
- Hiscox: Global specialty insurer with a dedicated cyber insurance line for SMEs and a 'Hiscox Cyber Clear' Academy. Operates broadly across multiple lines while competing directly in Stoïk's SME cyber segment.
- Beazley: Specialty insurer with significant cyber and tech E&O offerings, including breach response services. Established incumbent providing cyber coverage to SMEs and larger enterprises in Europe.
- Allianz: Global insurance giant with extensive cyber coverage offerings across European markets. Large-scale incumbent with broad portfolio, competing for the same SME cyber broker business as Stoïk.
- AIG: Major global insurer with Cyber Edge and other cyber products distributed through European brokers. Overlaps with Stoïk's distribution model and SME target segment.
Others
- Tokio Marine HCC: Primary insurance carrier providing capacity for Stoïk's cyber policies. A partner rather than direct competitor, but its own cyber products overlap in market.
- Swiss Re: Global reinsurer backing Stoïk's cyber book. Functions as capacity provider and ecosystem participant rather than direct competitor, but increasingly active in primary cyber through partnerships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Stoïk social profiles
Digital presenceStoïk compliance and trust
Trust signalCompliance4 records
Stoïk financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stoïk leadership team
Management profileNumber of profiles
Profiles13 records
Stoïk subsidiaries and ownership
Company hierarchySubsidiaries5 records
Stoïk funding detail
Funding detailFunding overview
Funding rounds6 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stoïk M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stoïk
What does Stoïk do?
Stoïk combines cyber insurance coverage (up to €10M for businesses with turnover up to €1B) with active cybersecurity prevention tools and 24/7 in-house incident response services. Products include the Stoïk Protect prevention platform, MDR, Managed Email Security, and a dedicated CERT team, all distributed exclusively through a network of 2,000+ insurance brokers across Europe.
Is Stoïk a public or private company?
Stoïk is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stoïk founded?
Stoïk was founded in 2021. It employs 101 to 250 people.
Where is Stoïk based?
Stoïk is headquartered in Paris, France, in the Europe region.
How does Stoïk make money?
Three revenue lines are on record. Cyber Insurance Premiums are the primary driver. The others are MDR Services and managed Email Security.
Who are Stoïk's main competitors?
Direct peers on record are Coalition, At-Bay, Cowbell Cyber and Resilience. Broad incumbents are Hiscox, Beazley, Allianz and AIG. Others are Tokio Marine HCC and Swiss Re.
Does Stoïk have an API?
No public API is recorded for Stoïk.
What industry is Stoïk in?
Stoïk's product category is Cyber Insurance. Its primary akta.pro industry code is FSAJAOAA, Standalone Cyber Liability Insurance, with a secondary code of BPAEAAAL, Cybersecurity Architecture & Security Integration. Its NAICS code is 5242 and its SIC code is 6411.