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Cyber Insurance
Gain financial protection and the critical first response support required to investigate, control, mitigate and remove cyber security threats.
No matter how robust your IT security protocols, they can't prevent human error, and it only takes one person to make a mistake.
As businesses rely more and more on technology to achieve their goals, the risk of losing money and data, or having technology rejected or fail due to an accidental or malicious incident, has never been greater. Business leaders who don't have a well thought-out cyber protection strategy are in fact playing with whatever funds they have to grow their business. Or, depending on their cash reserves, their very survival.
Digital risks
Today, data is one of the most valuable resources available to businesses. Whatever their size or sector of activity, companies that use new technologies and data to serve their core business are more than ever faced with cyber-risks that can no longer be ignored.
The cybercrime landscape is constantly expanding and becoming more complex:
- Targeted ransomware,
- Hacking,
- Phishing,
- Malware,
- Compromised business emails,
- Fraud,
- Data breaches,
- Social engineering,
- Employee errors.
A cyber attack is often crippling and can significantly slow down your business, cost millions and damage your reputation in the long term.
How can you protect yourself with cyber insurance?
Many Cyber insurance claims are not related to privacy breaches. Cyber crime is seen as the biggest threat to a business when funds are fraudulently transferred from online bank accounts or critical computer systems are blocked by ransomware attacks. Here are five situations where a Cyber insurance policy can help your business when it falls victim to a cyber attack:
Damage to the information system
It is rare that a data breach does not cause damage to the information system. Records are compromised, data is not backed up, files are missing. Cyber insurance allows you to call in IT experts to identify the cause of the problem, recommend measures to limit the damage and cover the costs incurred in determining the origin of the problem and resolving it.
Business interruption
Cover your loss of earnings due to a system failure. Cover can include your financial loss caused by damage to your reputation, for example if your customer cancels a contract or you cease to have regular customers because you have suffered a cyber attack.
Breach of confidentiality
Cover defence costs and compensation that you are legally obliged to pay to a third party, including, for example, in the event of failure to protect personal data, breach of confidentiality or inadvertent transmission of a virus.
Regulatory obligations
Legal fees and expenses to comply with notification requirements or attend a regulatory investigation, including fines, penalties and Payment Card Industry (PCI) assessments following a payment card breach.
Fraud
In the event of an intrusion into the information system which leads to the misappropriation of funds, a fraud insurance policy would cover such a loss. Howden's teams are at your disposal to help you set up such a policy.
Protégez vous avec Howden
Nos experts sont là pour vous accompagner avec des solutions sur mesure.
Your Cyber emergency service
Your building is on fire, you call the fire brigade. The contents of your office are stolen, you call the police. Who do you call when you suspect or suffer a breach, when your IT systems have been disabled and access to your network blocked, or when you have been the victim of a social engineering scam and have divulged sensitive data?
The financial impact of a cyber incident can be very damaging to businesses that don't have the internal resources, expertise or budget to effectively mitigate cyber risks.
Cyber insurance gives you instant access, 24/7, to experts to neutralise the threat as quickly as possible and mitigate the consequences. : Find out about our cyber emergency service
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Questions fréquemment posées
Même avec les meilleures défenses au monde, la sécurité informatique ne peut pas vous protéger de toutes les menaces, notamment celles liées au facteur humain ou à l'exposition à des fournisseurs externes.
Si votre directeur informatique jouera un rôle clé dans la gestion de l'incident, il est probable qu'il ne dispose pas de l'expérience ou des compétences spécialisées requises en cas de cyberattaque, comme la connaissance des hackers, des différents types de malwares, des négociations de rançons ou des pratiques du dark web.
Les primes dépendent de plusieurs facteurs, notamment le chiffre d'affaires annuel de l'entreprise, le secteur d'activité et le type de données détenues.
Chez Howden, notre objectif est de vous accompagner dans votre parcours cybersécurité en comprenant les risques propres à votre entreprise et en négociant pour vous la couverture et les primes les plus adaptées. Nous adoptons une approche intégrée et globale pour identifier les risques de nos clients et nous nous assurons de travailler avec des assureurs de renom, disposant de services de réponse aux incidents éprouvés à l'échelle internationale. Notre équipe expérimentée de gestion des sinistres est également à votre disposition pour vous assister tout au long du processus en cas d'incident.
Choisir une assurance cyber est essentiel pour protéger votre entreprise contre des menaces comme les ransomwares, qui peuvent paralyser vos systèmes et exiger de lourdes rançons pour récupérer vos données.
Cette couverture permet de limiter les pertes financières en cas de cyberattaque, en prenant en charge les frais liés à la gestion de la crise et à la restauration des systèmes. De plus, elle vous aide à respecter les obligations légales en matière de sécurité des données, offrant ainsi une tranquillité d’esprit pour votre entreprise.
Rapprochez vous de nos experts pour en savoir plus sur nos offres.
Contact
Leopold Larios
Leopold Larios
Cyber Director
Leopold Larios holds a Master's degree in Finance (Major in Insurance & Risk Management) and a Master's degree in Computer Sciences for Finance from the University of Paris Dauphine. He has over 25 years of experience in operational and digital risks, as well as cyber risk.
Previously, he was the Director of Cyber Offer at Descartes, where he established the Risk Manager function in several large groups. He also served as the Risk Manager of the Edenred group for 7 years before becoming the Chief Risk Officer for the Mazars group for 5 years.
Léopold joined Howden France as Cyber Director in April 2024.
The Cyber / PI Tech team, made up of nearly ten experts, supports several hundred companies: SMEs, start-ups, ETIs and major groups.
