Light Upon CYber insurance / © Amrae - 6 - Four years of data produced by business risk brokers The 3rd edition of the Lucy Study builds on a four-year history of objective, comprehensive and robust data. OBJECTIVE because they are produced by the best observers of corporate risk: specialized brokers. This year, 10 brokers and one professional organization responded to the questionnaire designed in a collaborative manner by Amrae. Seven of them were present at the first edition of Lucy: AON, Diot-Siaci, Filhet Allard, Marsh, Verlingue, Verspieren, WTW. They were joined by SMABTP in 2022, Dattak and Howden in 2023. In addition to these brokers, Planète CSCA, the insurance brokers’ union, provides a better view of the small and medium-sized business segment. GLOBAL because these brokers cover companies of all sizes and in all sectors of activity throughout France. 9,672 insurance policies were analyzed: l 281 large company policies (more than €1.5 billion in sales), i.e. 94% of the 300 large companies listed by INSEE; l 591 Mid-cap company policies (between €50 million and €1.5 billion in revenues), i.e. 10% of the 5,900 TPEs listed by INSEE; l 492 medium-sized company policies (between €10 and €50 million in sales), i.e. 3.2% of the 153,000 medium-sized companies listed by INSEE; l 624 small business policies (between 2 and 10 M€ in turnover) and 7,684 microbusiness policies (less than 2 M€ in turnover), i.e. 0.2% of the 3.9 million small and micro-businesses listed by Insee. Almost representative of the large company market, the study is also very representative of the Mid-cap company segment. Over the years, the vision of medium-sized companies has as well become clearer and more representative. On the other hand, the study still lacks precision on the segment of small and micro companies. The number of insured companies - and therefore analyzed - is not yet sufficient in relation to the number of companies listed by INSEE. Moreover, SMEs can take out cyber coverage directly with their insurer, via a general agent or within the framework of a multi-risk Pro policy: this data is therefore not available to the brokers who are partners in the Lucy study and is not, de facto, collected within the framework of the study. METHODOLOGY
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