Ransomware: does cyber insurance pay the ransom? What the policies really say
·8 min read·Cyber
Paying a ransom is not prohibited in France and cyber extortion cover reimburses it, under strict conditions: complaint within 72 hours, insurer's prior approval, sanctions screening, sublimit. But the ransom is almost never the real cost: crisis management and weeks of downtime are what matter.
Loïc CarbonneRead the article
Cyber insurance: what does it really cover? First-party costs, liability, business interruption, extortion
·8 min read·Cyber
Cyber insurance covers your own costs after an attack, your liability to third parties, business interruption, extortion, fraud and reputation. This guide breaks down each section, the systematic exclusions (regulatory fines, unpatched flaws, late complaints) and how to read sub-limits.
Loïc CarbonneRead the article
Cyber insurance: how much does it cost an SME in 2026?
·8 min read·Cyber
An SME with 10 to 50 employees pays between €1,000 and €3,000 a year for cyber insurance in 2026, €3,000 to €10,000 above that. At equal size, the gap between two quotes comes from the security maturity you can prove: MFA, EDR, offline backups and a response plan.
Loïc CarbonneRead the article
NIS2 and DORA: is your SME in scope, and what does it change for your cyber insurance?
·8 min read·Cyber
NIS2 targets companies with more than 50 employees or €10M in turnover across 18 sectors; DORA has applied to fintechs and their ICT providers since January 2025. The required measures (MFA, EDR, offline backups, incident response plan) are exactly the ones that determine your cyber insurability and premium.
Loïc CarbonneRead the article
Third-party software and critical flaws: who pays when your stack betrays you?
·6 min read·Cyber
A flaw in an external library can paralyze your product. Discover how to protect your business against failures in your software supply chain.
Sami ZarzourRead the article
Cyber risk: beyond hacking, the liability of your code
·6 min read·Cyber
Discover why a simple technical glitch can be as costly as a cyberattack and how to protect your company against the gray areas of traditional insurance policies.
