Dattak

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Dattak

| subheader = Dattak S.A.S. | subheaderstyle = font-weight:bold; font-size:105%;

| image = {{#invoke:InfoboxImage|InfoboxImage|image=Logo of Dattak.svg|size=|sizedefault=frameless|alt=Dattak logo}} | caption =

| header1 = Corporate identity

| label2 = Type | data2 = Private — insurtech wholesale broker | class2 = category

| label3 = Traded as | data3 =

| label4 = ISIN | data4 =

| label5 = LEI | data5 =

| label6 = Registration number | data6 =

| label7 = Regulated | data7 =

| label8 = License type | data8 = Insurance intermediary (courtier) — ORIAS No. 22002872

| label9 = NPN | data9 =

| label10 = Coverholder reference | data10 =

| label11 = License number | data11 =

| label12 = Incorporation | data12 = France

| label13 = Founded | data13 = December 1, 2021 (2021-12-01){{#invoke:Check for unknown parameters|check|unknown=|preview=Page using Template:Start date and age with unknown parameter "_VALUE_"|showblankpositional=1| 1 | 2 | 3 | br | df | end | p | paren }}

| label14 = Headquarters | data14 = Paris, France | class14 = label

| label15 = Country | data15 =

| label16 = Domicile | data16 = France

| label17 = Licensed jurisdictions | data17 = France
Luxembourg
Belgium

| label18 = Regulator | data18 = Autorité de Contrôle Prudentiel et de Résolution (ACPR)

| label19 = Ultimate parent | data19 =

| label20 = Major shareholders | data20 = XAnge
Breega
Bpifrance
Founders and business angels

| label21 = Group status | data21 =

| label22 = Key people | data22 = Charlotte Couallier, co-founder and CEO
Damien Damamme, co-founder and CTO
Benoît Grouchko, co-founder

| label23 = Number of employees | data23 = 25 (August 2023)

| header24 = Business & markets

| label25 = Operating status | data25 =

| label26 = Customer segments | data26 = SMEs to upper mid-market companies (up to €2bn revenue)

| label27 = Lines of business | data27 = Cyber insurance
Professional liability (RC Pro)

| label28 = Business segments | data28 =

| label29 = Main products & services | data29 = Cyber insurance
Combined Cyber + RC Pro
Standalone RC Pro
MDR bundle (EDR + managed SOC)

| label30 = Technology platform | data30 = Dattak Défense (risk management platform)
Scan Cyber (attack surface monitoring)
CERT-DATTAK (incident response)

| label31 = Capacity providers | data31 = Wakam
Sompo
SCOR
Hannover Re
Chaucer
Hamilton
Envelop Risk

| label32 = Distribution | data32 = Broker network with digital quoting and binding platform

| label33 = Geographic markets | data33 = France
Luxembourg
Belgium

| label34 = Branches | data34 =

| label35 = Customers served | data35 = approximately 1,000 companies (August 2023)

| label36 = Competitors | data36 = At-Bay
Stoïk
Coalition
Cowbell
Corvus Insurance
Eye Security

| label37 = Market share rank | data37 =

| header38 = Key financials

| label39 = Currency | data39 =

| label40 = Market cap | data40 =

| label41 = Revenue | data41 =

| label42 = Insurance revenue | data42 =

| label43 = Operating income | data43 =

| label44 = EBITDA | data44 =

| label45 = Net income | data45 =

| label46 = Gross written premium | data46 = €10M (2024, company-reported)

| label47 = Net written premium | data47 =

| label48 = Loss ratio | data48 =

| label49 = Combined ratio | data49 =

| label50 = Commission / MGA fee | data50 =

| label51 = Total assets | data51 =

| label52 = Invested assets | data52 =

| label53 = Technical reserves | data53 =

| label54 = Contractual service margin | data54 =

| label55 = Net debt | data55 =

| label56 = Equity | data56 =

| label57 = Operating margin | data57 =

| label58 = Solvency ratio | data58 =

| label59 = Return on equity | data59 =

| label60 = Total funding raised | data60 = €18M

| label61 = Last funding round | data61 = Series A, €11M, August 2023

| label62 = Last known valuation | data62 =

| label63 = Lead investors | data63 = XAnge
Breega
Bpifrance

| label64 = Capital structure | data64 =

| label65 = Insurer financial strength | data65 =

| label66 = Capacity partner ratings | data66 =

| label67 = External ratings | data67 =

| data68 =

GWP figure is company-reported and unverified by independent audit.

}}{{#invoke:Check for unknown parameters|check|unknown=|preview = Page using Template:Infobox company with unknown parameter "_VALUE_"|ignoreblank=y | address | alt | branches | capacity_partner_ratings | capacity_providers | capital_structure | caption | child | combined_ratio | commission_rate | competitors | country | coverholder_ref | csm | currency | customer_segments | distribution | domicile | ebitda | embed | equity | exchange | financial_year | footnotes | founded | geographic_markets | group_status | gwp | headquarter | headquarters | ifsr | image | image_size | imagesize | incorporated | incorporation | insurance_jurisdictions | insurance_revenue | invested_assets | isin | key_people | last_round | last_valuation | lead_investors | legal_name | lei | license_number | license_type | lines_of_business | logo | logo_alt | logo_caption | logo_size | loss_ratio | market_cap | market_share_rank | markets_served | name | net_debt | net_income | npn | num_customers | num_employees | nwp | operating_income | operating_margin | operating_status | parent | products | ratings | registered | registration_number | regulated | regulator | reporting_year | revenue | roe | segments | shareholders | shareholders_equity | solvency_ratio | status_in_group | supervisory_authority | technology_platform | technical_reserves | ticker | total_assets | total_funding | total_revenue | type | ultimate_parent }} Template:Summary:Dattak The following sections provide further details.

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Corporate profile

🏢 Legal identity. Dattak S.A.S. (Société par Actions Simplifiée) is a French cyber-focused insurtech intermediary registered under SIREN 907 857 817 with the Paris trade and companies register (RCS Paris). The registered office is located at 65 Boulevard Lannes, 75016 Paris, with an additional operational address at 21 Rue du Général Foy, 75008 Paris, which serves as the CERT contact address and appears across site footers. The company was created on 1 December 2021 per France's official business directory.

📋 Regulatory status. Dattak is registered with ORIAS under No. 22002872 as a wholesale broker (courtier grossiste) in commercial property and casualty insurance for businesses, operating under the French Insurance Code and the supervision of the Autorité de Contrôle Prudentiel et de Résolution (ACPR). The firm holds professional liability insurance and a financial guarantee with CGPA under policy identifiers RCP77920 and GFI77920, and states it has no equity links with insurance companies or mutual insurers.

🏗️ Group structure. A distinct technology subsidiary, Dattak Technologies (SIREN 944 430 719), was incorporated in 2025. CERT-DATTAK operates as part of Dattak Technologies and is described as a subsidiary of the Dattak company in formal RFC 2350 documentation.

🌍 Cross-border presence. A Croatian financial supervisor (HANFA) notification register includes an entry for Dattak with ACPR listed as supervisory authority and registration number 22002872, with a notification date of 18 June 2024, consistent with EEA freedom-to-provide-services registration.

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Leadership

👩‍💼 Founders. Dattak was co-founded by Charlotte Couallier, Damien Damamme, and Benoît Grouchko. Couallier serves as CEO (PDG) and is a graduate of Télécom Paris who received the "femme cyber 2022" trophy at Campus Cyber. Her prior experience includes roles as an actuary, first employee at Leocare, and former director of commercial partnerships at AXA France.

🔧 Technical and strategic leadership. Damamme serves as CTO and is identified as the publication director in Dattak's legal notices; his background includes a role as head of lab distribution at Allianz. Grouchko is a serial entrepreneur who previously founded Teemo (sold to Near in 2020) and, following a management transition at the Series A stage, remained a shareholder supporting strategy and advisory missions while Couallier assumed the CEO role.

🧭 Board and additional leadership. Dattak discloses board-level participation by Matthieu Bébéar (identified as ex-Chief Business Officer of AXA in seed communications) and Alexis du Peloux. The leadership team also includes Alexia Morot as Head of Cyber Insurance, and Augustin Brunelle as director for Nord Est and BeLux expansion.

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Funding

💰 Seed round. Dattak raised €7M in a seed round in June 2022 led by XAnge, with participation from business angels including Matthieu Bébéar. The round accompanied a stated partnership with Wakam to carry insurance risk and the launch of a broker-first digital subscription process.

📈 Series A. In August 2023, Dattak raised €11M in a Series A led by XAnge with Breega and Bpifrance as co-investors, bringing cumulative funding to €18M. Stated use of proceeds included doubling team size, expanding cybersecurity tooling, adapting the offer to larger firms (ETI), improving partner broker experience, and targeting more than €10M in business volume the following year.

🏦 Investor composition. The investor base combines early-stage venture capital (XAnge, Breega) and state-backed venture (Bpifrance). No insurer corporate venture fund investment is disclosed; however, Bébéar participates as a business angel with prior AXA executive history.

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Business model and distribution

🔄 Operating model. Dattak functions as a cyber-focused insurtech intermediary combining delegated placement in a broker/MGA-like model with bundled cybersecurity services and incident response capacity. The firm distributes exclusively through a network of partner brokers supported by an online platform that enables quoting in approximately one minute via a fully digital process.

📊 Segment evolution. Dattak's disclosed client segmentation has expanded materially over time, measured by client revenue thresholds. Initial positioning targeted micro and small enterprises (TPE/PME), progressing to companies with €75M to €200M in revenue by June 2023, then up to €500M by February 2024. A September 2024 partnership with Sompo expanded coverage to firms with up to €1bn in revenue, and current homepage claims extend the ceiling to €2bn.

🗺️ Geographic expansion. France is Dattak's home market, with Paris as the registered office. The company expanded to Luxembourg followed by Belgium, where it names a dedicated BeLux expansion lead. An EEA notification register entry (Croatia, HANFA) corroborates cross-border intermediary notification under the ACPR.

📋 Vertical mix. A June 2023 interview describes a diversified portfolio spanning healthcare, industry, services, education, and local authorities, with "very few" underwriting prohibitions.

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Cyber insurance coverage

🛡️ Underwriting triggers. Dattak's cyber insurance covers multiple event types including malicious intrusion, human error, malicious employee actions, internal programming errors, and IT outage due to internal defects (as an optional module), with email fraud also available as an option. The contract was explicitly expanded to cover major IT outages and IT provider failures — including scenarios analogous to the 2024 CrowdStrike incident — when they occur unexpectedly and disrupt operations, even absent a malicious attack.

💼 First-party coverages. The policy provides business interruption coverage, system restoration and data reconstruction costs, replacement of irrecoverably damaged hardware (bricking), notification costs for personal data breaches (authority and impacted-party notification), and monitoring costs to detect misuse of leaked personal data. Additional first-party elements include payment card losses and associated fines, telecom overbilling and cloud cost spikes (optional), and software replacement with improved versions following a cyberattack.

🔐 Ransomware and fraud. Dattak's product includes ransomware ransom payment coverage, positioned as a last-resort measure, with clarity on ransom payment cited as a product attribute. Cyberfraude coverage addresses financial loss from fraud following proven malicious intrusion, including fraudulent transfer requests, while email fraud coverage (with and without intrusion) is available as a module.

⚖️ Third-party and regulatory coverages. Third-party liability protection encompasses cyber liability and media liability, including defense costs in connection with claims following disclosure of confidential or compromising information. Coverage also extends to costs of investigations and administrative sanctions initiated by authorities following personal data violations or PCI DSS security rule breaches, including defense costs in regulatory proceedings.

🚨 Embedded incident response. Dattak operates CERT-DATTAK, an internal 24/7 incident response function with an average intervention time of under two minutes. Assistance is provided without deductible, without sublimit, and without prerequisite validation, including for false positives. The CERT coordinates technical response, legal support, crisis communications, and indemnification, relying on a network of specialized partners for complex cases while maintaining centralized control through its internal team.

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Cybersecurity services

🔍 Prevention platform. Dattak markets a suite of prevention tools positioned as exclusive to its insureds, branded as Dattak Défense. This includes Scan Cyber for continuous surveillance of insureds' information systems with analysis reports and remediation guidance, a free advanced cybersecurity audit with corrective action mapping, a phishing campaign simulator for employee conditioning, and penetration testing services.

📡 CERT service catalog. The CERT RFC 2350 document (v1.2, published September 2025) describes services spanning incident analysis and forensics, incident response support and remediation, crisis management, vulnerability and malware analysis, and proactive activities such as vulnerability scanning, Active Directory assessment, cloud configuration assessment, penetration testing, and cybersecurity training.

🤖 MDR offering. Dattak markets an MDR (Managed Detection and Response) bundle combining insurance with EDR and a managed SOC, claiming average premium reductions of 30 percent for insureds using the formula and simplified eligibility including subscription without a cybersecurity questionnaire. The MDR offering is presented as a distinct bundled tier tied to premium discounting rather than a feature included in all policies.

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Partnerships and capacity

🏛️ Capacity providers. Dattak's initial risk carrier was Wakam, established at the seed stage. The carrier and reinsurer panel has since expanded to include Sompo, SCOR, Hannover Re, Chaucer, Hamilton, and Envelop Risk. Per-risk capacity grew from €2M in June 2023 to €5M per company by February 2024, supported by Wakam, SCOR, and Envelop Risk among others.

🎖️ Defense-sector partnership. Dattak partnered with the Direction générale de l'armement (DGA) to integrate the DGA cyber maturity framework (RMC) for the Defense Industrial and Technological Base (BITD), collaborating with ANSSI on the foundational level. The initiative is positioned as impacting roughly 4,000 French SMEs, enabling compliant firms to subscribe directly to Dattak's cyber insurance.

📄 Product expansion. Dattak expanded beyond cyber into professional liability for the tech and services sector, offering a combined Cyber + RC Pro integrated contract and a standalone RC Pro product. The combined offer features mutualized ceilings up to €10M for RC Pro and €5M for cyber, simplified underwriting without questionnaire up to €50M revenue, coverage for IT outages even without a cyberattack, an included attack surface scan, and an optional USA/Canada extension.

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Scale and performance

📊 Dattak — key performance indicators, cumulative and annual, various periods, as disclosed

KPI	Most recent figure	Prior datapoint	Source
Premiums placed	€10M (FY24)	—
Premiums placed target	€22M (end-2025)	—
Policyholders / clients	~1,000 companies	600+ (Jun 2023)
Headcount	25 (Aug 2023)	—
Max per-risk capacity	€5M per company	€2M (Jun 2023)
Loss ratio	—	—	—
Revenue	—	—	—
Net income / net loss	—	—	—
MGA commission rate	—	—	—

📝 Data note. The €10M and €22M premium figures are presented by Dattak as part of its own blog summary of a third-party interview not directly accessible at time of review and should be treated as company-reported until independently corroborated.

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Competitive positioning

🏆 Disclosed differentiators. Dattak's competitive positioning rests on four primary pillars: an integrated incident response capability anchored by CERT-DATTAK with rapid engagement and formal RFC 2350 documentation; bundled prevention and cyber tooling (attack surface monitoring, phishing simulation, audits) marketed as exclusive to insureds; a capacity architecture designed for progressive scaling into larger-company segments; and adjacency expansion into professional liability for tech and services via a combined Cyber + RC Pro contract.

🔎 Peer context. Dattak operates within a broader cyber insurtech MGA ecosystem alongside peers such as At-Bay, Baobab Insurance, BOXX Insurance, Coalition, Cogitanda, Converge Insurance, Corvus Insurance, Cowbell, Elpha Secure, Emergence Insurance, Evolve MGA, Eye Security, Invision Cyber, Measured Analytics and Insurance, Onda, Pera, Resilience, SafeInside Insurance, Stoïk, and Sync Underwriting.

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Risk factors

⚠️ Capacity dependency. Dattak's model is fundamentally reliant on continued delegated capacity from its carrier and reinsurance panel. While multiple partners are displayed, specific binding authority terms, renewal corridors, and performance triggers are not publicly disclosed.

🌐 Systemic exposure. Expansion into larger-company segments and explicit coverage of business interruption, IT outages, and provider failures increases correlation risk under systemic cyber events, particularly if reinsurance protections and accumulation controls are not proportionally scaled.

💣 Ransomware governance. Ransom payment coverage is publicly marketed, but the absence of disclosed wording constraints, sanctions screening mechanisms, and sublimits in public materials presents a governance transparency gap.

📜 Regulatory risk. As a broker and underwriting agency under ACPR supervision and ORIAS registration, any tightening of intermediary conduct, disclosure, or delegated authority oversight requirements could impact economics and distribution channel friction.

✈️ Expansion execution. Geographic expansion into Belgium and Luxembourg introduces cross-border execution risk in distribution onboarding, claims servicing, and local market competition. Moving into professional liability changes claim patterns, tail risk profiles, and staffing requirements, particularly at the €10M RC Pro limit marketed.

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Strategic outlook

🚀 Growth ambitions. Dattak's strategic trajectory centers on building a European leadership position in cyber insurance combined with cybersecurity tooling, continuing to scale through broker distribution with fast digital subscription and embedded services.

📐 Segment and product expansion. The roadmap includes further expansion into larger client segments via increased capacity and higher revenue ceilings, alongside diversification of the product set into liability and financial lines for tech and services through the RC Pro and combined offerings.

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Timeline of key events

📅 Dattak — timeline of key corporate and product events, December 2021 to November 2025

Date	Event
December 2021	Company creation registered in the French official business directory.
June 2022	Seed round of €7M led by XAnge; business angels including Bébéar; partnership with Wakam to carry risk; broker-first digital process launched.
October 2022	Couallier recognized with "femme cyber 2022" trophy at Campus Cyber.
June 2023	Up-market move to €75M–€200M revenue clients; max capacity increased to €2M; 600+ clients claimed.
August 2023	Series A of €11M; cumulative funding reaches €18M; team at 25 employees; approximately 1,000 clients; Couallier becomes CEO/PDG.
February 2024	Capacity expanded to €5M per company; target companies up to €500M revenue; partners cited include Wakam, SCOR, and Envelop Risk.
March 2024	Partnership with Direction générale de l'armement and adoption of RMC framework with ANSSI collaboration; BITD scope and direct subscription claim.
September 2024	Sompo partnership expands coverage to companies with up to €1bn revenue.
June 2025	Launch of combined Cyber + RC Pro offer for tech sector; disclosed limits and underwriting simplification thresholds.
July 2025	Belgium expansion announced; BeLux expansion lead named.
September 2025	CERT RFC 2350 document v1.2 published.
November 2025	IT outage and provider failure coverage explicitly framed as included in the cyber contract.

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See also

• Cyber insurtech MGAs and underwriting agencies

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References

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