Stoïk is a French company that combines cyber insurance with cybersecurity tools and incident response services, targeting European small and medium-sized enterprises (SMEs). The company operates through a 360° model that integrates three core components: - Cyber insurance policies underwritten in partnership with major insurers and reinsurers (Tokio Marine, Swiss Re, Axeria) - Cybersecurity tools including 24/7 monitoring and attack surface visibility, powered by AI - In-house incident response teams that manage recovery when breaches occur Stoïk distributes its products through insurance brokers, positioning them as the primary channel to reach European SMEs that lack internal security resources or a dedicated CISO function. The company uses AI to scale its model and adapt to evolving threats. Stoïk operates in France, Germany, Spain, and Austria, with headquarters in Paris. It is backed by investors including Andreessen Horowitz, Munich Re Ventures, Alven Capital, Anthemis Group, and BNP Paribas's OTV fund. The company's stated mission is to serve as a virtual CISO for European businesses, providing cross-portfolio threat intelligence that individual companies cannot access independently. Its model aligns financial incentives with security outcomes by combining insurance risk with proactive security tooling and response capabilities.