{"id":1692,"date":"2025-11-17T10:08:58","date_gmt":"2025-11-17T09:08:58","guid":{"rendered":"https:\/\/www.assurances-cyberattaque.com\/?p=1692"},"modified":"2025-11-17T10:08:58","modified_gmt":"2025-11-17T09:08:58","slug":"cybersecurite-ia-un-nouveau-chapitre-pour-les-entreprises","status":"publish","type":"post","link":"https:\/\/www.assurances-cyberattaque.com\/?p=1692","title":{"rendered":"Cybers\u00e9curit\u00e9 &#038; IA : un nouveau chapitre pour les entreprises"},"content":{"rendered":"<p aria-level=\"2\"><b><span data-contrast=\"none\">La r\u00e9v\u00e9lation, mi-novembre 2025, d\u2019une cyberattaque d\u2019ampleur internationale largement pilot\u00e9e par une intelligence artificielle, au profit d\u2019un groupe de hackers pr\u00e9sum\u00e9s li\u00e9s \u00e0 la Chine, marque un tournant dans l\u2019histoire de la cybers\u00e9curit\u00e9. L\u2019IA aurait assur\u00e9 l\u2019essentiel du travail de reconnaissance et d\u2019exploitation des failles, avec un minimum d\u2019intervention humaine, constituant le premier cas document\u00e9 de cyberattaque automatis\u00e9e de cette envergure.<\/span><\/b><b><span data-contrast=\"none\">\u00a0<\/span><\/b><b><span data-contrast=\"none\">A\u00a0La Flandre Assurances, courtier assurance entreprise et courtier assurances entreprise nord bas\u00e9 \u00e0 Marcq-en-Bar\u0153ul, dirig\u00e9 notamment par Vianney Blouin, Gauthier Desrousseaux et Arnaud Facon, nous int\u00e9grons ces \u00e9volutions dans notre lecture du risque pour adapter les solutions d\u2019assurance entreprise nord et d\u2019assurance cyber-attaque propos\u00e9es \u00e0 nos clients.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:210,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">Quand l\u2019IA devient un acteur des cyberattaques<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Jusqu\u2019ici, l\u2019intelligence artificielle \u00e9tait surtout \u00e9voqu\u00e9e comme un outil de d\u00e9fense (d\u00e9tection d\u2019anomalies, filtrage, analyse de logs). L\u2019actualit\u00e9 r\u00e9cente montre qu\u2019elle peut aussi \u00eatre instrumentalis\u00e9e pour mener des attaques sophistiqu\u00e9es\u00a0: cartographie automatis\u00e9e des syst\u00e8mes, identification des failles, g\u00e9n\u00e9ration de scripts malveillants, exfiltration de donn\u00e9es, le tout encha\u00een\u00e9 de mani\u00e8re quasi autonome. L\u2019IA ne se contente plus d\u2019assister un pirate\u00a0: elle permet de\u00a0<\/span><b><span data-contrast=\"none\">scaler<\/span><\/b><span data-contrast=\"none\">\u00a0les attaques, de les rendre plus fr\u00e9quentes, plus rapides et plus difficiles \u00e0 anticiper.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Pour les entreprises, cette \u00e9volution signifie que les cyberattaques ne sont plus seulement l\u2019affaire d\u2019\u00ab experts \u00bb isol\u00e9s mais peuvent \u00eatre industrialis\u00e9es, avec des campagnes massives, ciblant aussi bien les grands groupes que les PME. Coupl\u00e9e \u00e0 des techniques d\u2019ing\u00e9nierie sociale (phishing cr\u00e9dible, usurpation d\u2019identit\u00e9, contenus g\u00e9n\u00e9r\u00e9s automatiquement), l\u2019IA augmente la probabilit\u00e9 qu\u2019un collaborateur, m\u00eame sensibilis\u00e9, se fasse pi\u00e9ger. D\u2019o\u00f9 la n\u00e9cessit\u00e9 de revoir \u00e0 la fois la pr\u00e9vention et les contrats d\u2019<\/span><a href=\"https:\/\/flandre-assurances.fr\/assurances-entreprise\"><b><span data-contrast=\"none\">assurances entreprise<\/span><\/b><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">Que couvre r\u00e9ellement une assurance cyber-attaque\u00a0?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Une\u00a0<\/span><b><span data-contrast=\"none\">assurance cyber-attaque<\/span><\/b><span data-contrast=\"none\">\u00a0ne se limite pas \u00e0 rembourser un prestataire informatique. Selon les contrats, elle peut prendre en charge\u00a0:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"58\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Les\u00a0<\/span><b><span data-contrast=\"none\">frais d\u2019investigation et de restauration<\/span><\/b><span data-contrast=\"none\">\u00a0(analyse de l\u2019attaque, reconstitution des donn\u00e9es, remise en service des syst\u00e8mes),<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"58\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">La\u00a0<\/span><b><span data-contrast=\"none\">perte d\u2019exploitation<\/span><\/b><span data-contrast=\"none\">\u00a0li\u00e9e \u00e0 l\u2019indisponibilit\u00e9 de vos outils (site e-commerce, ERP, logiciel m\u00e9tier, messagerie), en compl\u00e9ment de vos garanties de\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/continuite-activite\"><b><span data-contrast=\"none\">continuit\u00e9 d\u2019activit\u00e9<\/span><\/b><\/a><span data-contrast=\"none\">,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"58\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Les\u00a0<\/span><b><span data-contrast=\"none\">co\u00fbts li\u00e9s aux obligations r\u00e9glementaires<\/span><\/b><span data-contrast=\"none\">\u00a0(notification \u00e0 la CNIL et aux personnes concern\u00e9es en cas de fuite de donn\u00e9es),<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"58\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">L\u2019accompagnement en\u00a0<\/span><b><span data-contrast=\"none\">communication de crise<\/span><\/b><span data-contrast=\"none\">\u00a0pour prot\u00e9ger l\u2019image de l\u2019entreprise,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"58\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"none\">Certains volets de\u00a0<\/span><b><span data-contrast=\"none\">cyber-extorsion<\/span><\/b><span data-contrast=\"none\">\u00a0dans les cas de ransomware, dans le cadre et les limites pr\u00e9vues au contrat.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Le r\u00f4le du\u00a0<\/span><b><span data-contrast=\"none\">courtier assurance cyber-attaque<\/span><\/b><span data-contrast=\"none\">\u00a0est alors d\u2019identifier ce qui est r\u00e9ellement garanti, ce qui ne l\u2019est pas, et d\u2019ajuster les plafonds, franchises et extensions pour qu\u2019ils correspondent \u00e0 la r\u00e9alit\u00e9 de votre exposition. Beaucoup d\u2019entreprises pensent \u00eatre prot\u00e9g\u00e9es par leur multirisque professionnelle, alors que les clauses cyber y sont limit\u00e9es voire absentes. D\u2019o\u00f9 l\u2019importance d\u2019un audit complet de vos polices, dans la continuit\u00e9 de notre activit\u00e9 d\u2019<\/span><a href=\"https:\/\/flandre-assurances.fr\/audit-et-conseils\"><b><span data-contrast=\"none\">audit &amp; conseils<\/span><\/b><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">Des impacts tr\u00e8s concrets pour les PME et ETI<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Une attaque men\u00e9e ou amplifi\u00e9e par une IA peut avoir les m\u00eames cons\u00e9quences qu\u2019une attaque \u00ab classique \u00bb, mais avec une vitesse et une ampleur accrues. Pour une PME industrielle, quelques jours d\u2019arr\u00eat d\u2019ERP ou de MES peuvent bloquer la production, retarder les livraisons et d\u00e9grader durablement la relation client. Pour un service B2B, un site ou une plateforme en ligne inaccessible entra\u00eene une chute imm\u00e9diate du chiffre d\u2019affaires. Pour une structure manipulant des donn\u00e9es sensibles (sant\u00e9, RH, propri\u00e9t\u00e9 intellectuelle), la fuite ou le chiffrement des fichiers peut entra\u00eener des r\u00e9clamations, voire engager la responsabilit\u00e9 des dirigeants, d\u2019o\u00f9 l\u2019int\u00e9r\u00eat de coupler l\u2019<\/span><b><span data-contrast=\"none\">assurance cyber-attaque<\/span><\/b><span data-contrast=\"none\">\u00a0avec des garanties adapt\u00e9es en\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/assurance-responsabilite-des-dirigeants\"><b><span data-contrast=\"none\">assurance responsabilit\u00e9 des dirigeants<\/span><\/b><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Au-del\u00e0 de la technique, c\u2019est bien la\u00a0<\/span><b><span data-contrast=\"none\">r\u00e9silience globale<\/span><\/b><span data-contrast=\"none\">\u00a0de l\u2019entreprise qui est en jeu\u00a0: capacit\u00e9 \u00e0 d\u00e9tecter l\u2019incident, \u00e0 isoler les syst\u00e8mes touch\u00e9s, \u00e0 restaurer les sauvegardes, \u00e0 informer ses parties prenantes, \u00e0 red\u00e9marrer l\u2019activit\u00e9. C\u2019est pourquoi nous int\u00e9grons le risque cyber dans une vision d\u2019ensemble de l\u2019<\/span><a href=\"https:\/\/flandre-assurances.fr\/assurances-entreprise\"><b><span data-contrast=\"none\">assurance entreprise nord<\/span><\/b><\/a><span data-contrast=\"none\">, au m\u00eame titre que les dommages aux biens, la responsabilit\u00e9 civile ou les risques construction.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">Pourquoi travailler avec un courtier assurance entreprise de proximit\u00e9\u00a0?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Le march\u00e9 de la cyberassurance s\u2019est durci\u00a0: questionnaires de souscription plus techniques, exigences minimales en cybers\u00e9curit\u00e9, plafonds parfois restreints, exclusions plus nombreuses. Dans ce contexte, un\u00a0<\/span><b><span data-contrast=\"none\">courtier assurance entreprise<\/span><\/b><span data-contrast=\"none\">\u00a0et\u00a0<\/span><b><span data-contrast=\"none\">courtier assurances entreprise nord<\/span><\/b><span data-contrast=\"none\">\u00a0comme La Flandre Assurances joue un r\u00f4le de traducteur et de d\u00e9fenseur\u00a0: nous pr\u00e9sentons votre profil de risque de mani\u00e8re argument\u00e9e aux compagnies, aidons \u00e0 structurer vos mesures de pr\u00e9vention, et veillons \u00e0 ce que les contrats restent lisibles pour vos \u00e9quipes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Notre positionnement de\u00a0<\/span><b><span data-contrast=\"none\">courtier assurance cyber-attaque<\/span><\/b><span data-contrast=\"none\">\u00a0est compl\u00e9mentaire de nos autres expertises (BTP, industrie, services, protection sociale). En travaillant au plus pr\u00e8s des dirigeants, DSI et responsables financiers, nous construisons des programmes d\u2019<\/span><a href=\"https:\/\/flandre-assurances.fr\/assurances-entreprise\"><b><span data-contrast=\"none\">assurances entreprise<\/span><\/b><\/a><span data-contrast=\"none\">\u00a0coh\u00e9rents, articul\u00e9s autour de vos vrais enjeux\u00a0: protection de vos actifs num\u00e9riques, maintien de la confiance de vos clients, continuit\u00e9 d\u2019activit\u00e9. Cette approche, port\u00e9e par les \u00e9quipes de\u00a0<\/span><b><span data-contrast=\"none\">Vianney Blouin<\/span><\/b><span data-contrast=\"none\">,\u00a0<\/span><b><span data-contrast=\"none\">Gauthier Desrousseaux<\/span><\/b><span data-contrast=\"none\">\u00a0et\u00a0<\/span><b><span data-contrast=\"none\">Arnaud Facon<\/span><\/b><span data-contrast=\"none\">, s\u2019inscrit dans la dur\u00e9e.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">Notre lecture (La Flandre Assurances)<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">L\u2019affaire r\u00e9cente de cyberattaque men\u00e9e en grande partie par une IA confirme ce que l\u2019on observait d\u00e9j\u00e0 sur le terrain\u00a0: le risque cyber devient syst\u00e9mique. Il ne s\u2019agit plus d\u2019un \u00ab risque informatique \u00bb isol\u00e9, mais d\u2019un risque d\u2019entreprise \u00e0 part enti\u00e8re, qui impacte le juridique, le financier, la relation client, la conformit\u00e9. Pour nous, une bonne strat\u00e9gie passe par trois axes\u00a0:\u00a0<\/span><b><span data-contrast=\"none\">pr\u00e9vention<\/span><\/b><span data-contrast=\"none\">\u00a0(sensibilisation, proc\u00e9dures, hygi\u00e8ne informatique),\u00a0<\/span><b><span data-contrast=\"none\">protection contractuelle<\/span><\/b><span data-contrast=\"none\">\u00a0(assurance cyber-attaque adapt\u00e9e) et\u00a0<\/span><b><span data-contrast=\"none\">pilotage<\/span><\/b><span data-contrast=\"none\">\u00a0(r\u00e9\u00e9valuation r\u00e9guli\u00e8re du dispositif \u00e0 la lumi\u00e8re des nouveaux sc\u00e9narios d\u2019attaque).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">C\u2019est dans cette logique que nous int\u00e9grons le cyber dans nos missions d\u2019<\/span><a href=\"https:\/\/flandre-assurances.fr\/audit-et-conseils\"><b><span data-contrast=\"none\">audit &amp; conseils<\/span><\/b><\/a><span data-contrast=\"none\">, aux c\u00f4t\u00e9s des autres familles de risques. L\u2019objectif n\u2019est pas de dramatiser, mais de permettre aux dirigeants de prendre des d\u00e9cisions \u00e9clair\u00e9es sur leur niveau de protection, en coh\u00e9rence avec leur exposition r\u00e9elle et leur strat\u00e9gie de d\u00e9veloppement.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">Ce que nous recommandons d\u00e8s maintenant<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"59\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Faire un \u00e9tat des lieux<\/span><\/b><span data-contrast=\"none\">\u00a0de vos risques num\u00e9riques\u00a0: donn\u00e9es sensibles, applications critiques, d\u00e9pendances \u00e0 des prestataires externes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"59\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">V\u00e9rifier vos contrats existants<\/span><\/b><span data-contrast=\"none\">\u00a0: vos polices actuelles couvrent-elles r\u00e9ellement la cyberattaque, la fuite de donn\u00e9es et la perte d\u2019exploitation\u00a0?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"59\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Mettre en place un socle de s\u00e9curit\u00e9<\/span><\/b><span data-contrast=\"none\">\u00a0: sauvegardes, MFA, mises \u00e0 jour, proc\u00e9dures en cas de phishing ou de ransomware.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"59\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"none\">\u00c9tudier une police d\u00e9di\u00e9e d\u2019assurance cyber-attaque<\/span><\/b><span data-contrast=\"none\">\u00a0calibr\u00e9e sur votre taille, votre secteur et vos flux num\u00e9riques.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"59\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Travailler avec un courtier de proximit\u00e9<\/span><\/b><span data-contrast=\"none\">\u00a0pour adapter les garanties, n\u00e9gocier les conditions et suivre l\u2019\u00e9volution du march\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559685&quot;:300,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Vous souhaitez savoir si votre entreprise est correctement prot\u00e9g\u00e9e face au risque cyber\u00a0? Consultez nos pages\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/assurances-entreprise\"><b><span data-contrast=\"none\">assurances entreprise<\/span><\/b><\/a><span data-contrast=\"none\">\u00a0et\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/continuite-activite\"><b><span data-contrast=\"none\">continuit\u00e9 d\u2019activit\u00e9<\/span><\/b><\/a><span data-contrast=\"none\">, ou prenez directement contact avec nos \u00e9quipes via la page\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/une-question-un-devis\"><b><span data-contrast=\"none\">Une question\u00a0? Un devis\u00a0?<\/span><\/b><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><b><span data-contrast=\"none\">FAQ \u2013 IA, cyberattaques et assurance d\u2019entreprise<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:345}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Une cyberattaque men\u00e9e en partie par une IA change-t-elle quelque chose \u00e0 ma couverture\u00a0?<\/span><\/b><br \/>\n<span data-contrast=\"none\">Sur le plan contractuel, ce qui importe, ce sont les cons\u00e9quences (perte d\u2019exploitation, vol ou fuite de donn\u00e9es, extorsion\u2026). En revanche, l\u2019usage de l\u2019IA peut augmenter la fr\u00e9quence et la gravit\u00e9 des sinistres, ce qui conduit les assureurs \u00e0 affiner leurs conditions de souscription et leurs exigences de pr\u00e9vention.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Mon contrat multirisque professionnelle suffit-il pour le risque cyber\u00a0?<\/span><\/b><br \/>\n<span data-contrast=\"none\">Souvent non. Certaines polices incluent une petite garantie cyber, d\u2019autres excluent explicitement ces risques. Un passage en revue de vos contrats avec un\u00a0<\/span><b><span data-contrast=\"none\">courtier assurance entreprise<\/span><\/b><span data-contrast=\"none\">\u00a0est indispensable pour identifier les trous de couverture.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Les PME sont-elles r\u00e9ellement cibl\u00e9es par les cyberattaques ?<\/span><\/b><br \/>\n<span data-contrast=\"none\">Oui. Les PME et ETI sont fr\u00e9quemment vis\u00e9es, notamment parce qu\u2019elles disposent de d\u00e9fenses moins robustes que les grands groupes, tout en manipulant des donn\u00e9es ou flux critiques. Une assurance cyber-attaque et un minimum de mesures techniques sont devenues incontournables.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Comment La Flandre Assurances peut m\u2019accompagner\u00a0?<\/span><\/b><br \/>\n<span data-contrast=\"none\">En tant que\u00a0<\/span><b><span data-contrast=\"none\">courtier assurance cyber-attaque<\/span><\/b><span data-contrast=\"none\">\u00a0et\u00a0<\/span><b><span data-contrast=\"none\">courtier assurances entreprise nord<\/span><\/b><span data-contrast=\"none\">, nous combinons analyse des risques, comparaison des offres du march\u00e9 et accompagnement dans la mise en place de mesures de pr\u00e9vention. Notre ambition\u00a0: renforcer votre r\u00e9silience face \u00e0 un risque qui va continuer \u00e0 \u00e9voluer avec l\u2019IA.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/flandre-assurances.fr\/assurances-entreprise\"><b><span data-contrast=\"none\">D\u00e9couvrir nos solutions pour les entreprises<\/span><\/b><\/a><span data-contrast=\"none\">\u00a0\u00a0|\u00a0\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/audit-et-conseils\"><b><span data-contrast=\"none\">Audit &amp; conseils<\/span><\/b><\/a><span data-contrast=\"none\">\u00a0\u00a0|\u00a0\u00a0<\/span><a href=\"https:\/\/flandre-assurances.fr\/une-question-un-devis\"><b><span data-contrast=\"none\">Nous contacter pour une \u00e9tude cyber d\u00e9di\u00e9e<\/span><\/b><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559738&quot;:0,&quot;335559739&quot;:255,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La r\u00e9v\u00e9lation, mi-novembre 2025, d\u2019une cyberattaque d\u2019ampleur internationale largement pilot\u00e9e par une intelligence artificielle, au profit d\u2019un groupe de hackers pr\u00e9sum\u00e9s li\u00e9s \u00e0 la Chine, marque un tournant dans l\u2019histoire de la cybers\u00e9curit\u00e9. L\u2019IA aurait assur\u00e9 l\u2019essentiel du travail de reconnaissance et d\u2019exploitation des failles, avec un minimum d\u2019intervention humaine, constituant le premier cas document\u00e9 [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1692","post","type-post","status-publish","format-standard","hentry","category-non-classe"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=\/wp\/v2\/posts\/1692","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1692"}],"version-history":[{"count":1,"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=\/wp\/v2\/posts\/1692\/revisions"}],"predecessor-version":[{"id":1693,"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=\/wp\/v2\/posts\/1692\/revisions\/1693"}],"wp:attachment":[{"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1692"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1692"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assurances-cyberattaque.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}