Stoik
A Paris cyber-insurtech pairing coverage with active prevention (10,000+ clients, ~EUR 50M premiums).
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Stoik, founded in 2021 and based in Paris, gives small and mid-sized businesses an integrated cyber insurance and active prevention and response model, combining underwriting with proactive risk-reduction tooling to reduce claims rather than only pay them.
It has raised a Series C across four rounds and operates at real scale, with more than 10,000 clients and roughly EUR 50 million in gross written premiums, expanding across Europe.
Innovation Matrix Assessment
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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