Today, cyber risk is one of the most complex to understand: it evolves rapidly, feeds on increasingly sophisticated technologies and affects all companies, whatever their size. And yet, only 3% of SMEs in Europe are covered against this risk, even though they are 10 times more likely to suffer a cyber attack than a fire.
Faced with this challenge, insurers need to adapt the way they assess and cover risk. At Dattak, we have chosen an approach that combines artificial intelligence, data and human expertise. Our DNA is deeply rooted in risk analysis: our team was founded by two engineers and actuaries, Charlotte Couallier and Damien Damamme, and more than half our staff are specialized in cybersecurity, data science and actuarial science.
Our conviction? AI does not replace human expertise; it accelerates and strengthens it.
A constantly changing threat environment
Cyber attacks are becoming ever more diverse and complex. Today, tools such as FraudGPT or WormGPT enable attackers to generate custom malware, automate deepfake scams or bypass security devices with just a few clicks.
In this context, it is no longer enough to rely on historical criteria or company statements to assess risk. What's needed is a dynamic approach, capable ofanalyzing weak signalsin real time, identifying vulnerabilities before they are exploited and adapting coverage accordingly.
AI as a gas pedal, the human as a guarantor of accuracy
AI and machine learning enable us to continuously analyze thousands of cyber signals to assess risk with unprecedented accuracy:
- Vulnerability scans: identification of vulnerabilities exposed on the internet
- Dark web monitoring: surveillance of compromised databases and discussions on cybercriminal forums
- Sector analysis: detection of threat typologies that specifically target certain professions
But this modeling work would be nothing without human analysis. We make it a point of honor to maintain strong expertise in risk assessment and decision-making.
At Dattak, AI is not a black box: it's a gas pedal that enables our experts to focus on what really matters. We use these tools to give brokers and customers more visibility into a company's cyber posture, but the final decision always rests on the expertise of our teams.
Our commitment: to provide brokers and companies with clear, understandable and actionable analyses, far removed from opaque models that leave users in the dark.
Anticipating attacks rather than suffering losses
Our approach doesn't stop at underwriting. Once a customer is insured, our role is to be a true partner in their cybersecurity.
We have set up a continuous monitoring system, enabling us to detect new vulnerabilities in real time and alert our policyholders in advance. Our tools don't just identify risks: they also enable companies toact before an attack occurs.
This proactive approach has a direct impact on claims experience. By drastically reducing the risk of attack, we are able to offer more effective coverage, while keeping costs under control.
Insurance that continuously adapts to real risks
AI and data also enable us to go further when it comes to pricing. Unlike traditional models based on historical averages, we use dynamic pricing, adjusted according to the company's actual exposure.
Our model integrates :
- internal data, derived from audits and claims
- External data, on the evolution of threats and market trends.
Without this approach, it would be necessary to analyze six billion lines of data to obtain the same level of finesse, or the equivalent of1.5 times around the equator in data.
Combining technology and expertise to better protect businesses
Cyber insurance cannot simply be a static product. It's a constantly evolving service, which must adapt to threats and help companies to actively protect themselves.
At Dattak, we've built a model where AI is a lever for precision and speed, but where human expertise remains central. Our brokers and policyholders are never left alone in front of a black box. Every decision, every risk analysis, every coverage adjustment is the fruit of a combination of computing power and human discernment.
It's this approach that enables us to offer cyber insurance that's powerful, understandable and genuinely useful to businesses. Cyber risk is the number 1 risk for any company, whatever its size.