---
title: How AI and data are transforming cyber insurance without replacing human expertise
description: Dattak is revolutionizing cyber insurance with AI and data, offering tailor-made, proactive protection for businesses in the face of cyber threats.
---

[Blog - Dattak | Cybersécurité, Assurance & Risques Tech ](https://www.dattak.io/en/blog)

# [How AI and data are transforming cyber insurance without replacing human expertise](https://www.dattak.io/en/blog/dattak-blog-data-ia)

 Written by [Alexia Morot](https://www.dattak.io/en/blog/author/alexia-morot) | Apr 23, 2026 1:47:18 PM

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 of**analyzing** weak signals**in 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 to**act 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 of**1.5 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.

[View full post](https://www.dattak.io/en/blog/dattak-blog-data-ia)

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