Stoik
A well-capitalized French insurtech (Series C, four rounds raised) with real scale (10k+ clients, ~EUR50M gross written premiums) expanding its integrated cyber-risk model across Europe.
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Extends an established insurance-plus-prevention model into new European markets rather than introducing new core technology.
Real operating scale with 10,000+ clients and ~EUR50M in gross written premiums across six European countries.
Closed a EUR20M Series C in January 2026 co-led by Impala and Opera Tech Ventures, with a16z and Alven also participating.
Competes within the established cyber-insurance category, differentiated by bundling prevention/response rather than creating a new category.
Meaningful claimed scale (10k+ clients) suggests real adoption, though independent loss-ratio or prevention-efficacy data was not found.
Addresses the durable and growing SMB/mid-market cyber-insurance gap in Europe.
Why CISOs Should Care
Gives CISOs at SMBs/mid-market an integrated cyber insurance plus active prevention/response model, combining coverage with proactive risk-reduction tooling rather than insurance alone.
What Makes It Different
Combines underwriting with an active prevention and incident-response layer, aiming to reduce claims rather than only pay them out, differentiating from pure-play cyber insurers.
The Matrix Verdict
52/100 — INCREMENTAL INNOVATOR
A well-capitalized French insurtech (Series C, four rounds raised) with real scale (10k+ clients, ~EUR50M gross written premiums) expanding its integrated cyber-risk model across Europe.
Editorial Note: Claims vs. Verified Findings
Client and premium figures (10k+ clients, ~EUR50M GWP) are self-reported by Stoik; independent verification was not found in this pass.
Sources
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