DataBait injects undetectable fictitious user accounts into your insureds' customer databases, with
email addresses and mobile numbers monitored 24/7. Every email or SMS received reveals data misuse
and delivers court-admissible proof within 72 hours.
From undetectable fictitious user accounts to court-admissible proof. The DataBait pipeline in five
steps, read here through the cyber claim chain.
Inject
DataBait injects undetectable fictitious user accounts into your
insureds' customer databases (CRM, ERP, marketing, partners), algorithmically generated
from public statistical datasets (INSEE, IRIS, BDNB), without LLM or hallucination,
with real and active email addresses and phone numbers. No agent installed, no schema
migration, zero operational overhead for the insured.
Monitor
Dedicated inboxes and mobile numbers monitored 24/7. Any email or SMS sent to a
fictitious user account signals that a leak or data misuse has occurred. No
structural false positives: the account only exists in your insured's database,
so any contact is necessarily a real signal.
Dark web scanning
Forums, marketplaces, and leaked dumps continuously scanned. If fictitious accounts
surface there, you know your insureds' data has been compromised, even before a customer
complaint, a regulator, or the press reveals the breach.
Alert
Instant alert with full forensic metadata: sender, headers, timestamp,
email source, SMS content, call logs. Each alert is auto-qualified by
type (spam, phishing, data breach, partner non-compliance, internal misuse) so
your claims teams can prioritize handling.
Prove
Two-layer proof: qualified eIDAS timestamping issued by a French QTSP
listed on the EU Trusted List, and a sworn commissaire de justice
(judicial officer) report compliant with AFNOR NF Z67-147,
admissible under French law and compliant with EU evidentiary standards. Directly
actionable for your subrogation recoveries.
What remains is to measure what this pipeline changes for your portfolio.
IBM Cost of a Data Breach 2025
The most expensive cyber claim is also the slowest to discover
Three decisive figures for a cyber insurer, from the IBM Cost of a Data Breach Report
2025.
$4.92M
Average breach cost via malicious insider.
Most expensive attack vector, second year running.
241days
Global average time to identify and contain a breach.
Eight months during which data circulates before any action.
The most expensive claims are precisely those that traditional technical defenses (DLP, SIEM, EDR)
detect the least: insider misuse and delayed exposure. As long as discovery time is measured in
months, the cost of a cyber claim remains structurally high. So does your exposure.
How DataBait reduces your exposure
Four levers, one platform
Each lever addresses a distinct component of a cyber portfolio P&L equation: recovery, insider
severity, reputational severity, fines.
Recovery
Arm your subrogation recoveries
Once indemnification is paid, the insurer is subrogated to the insured's rights. The success
of the recourse against the responsible third party then depends on one thing: the quality
of the evidence.
DataBait natively provides the probative evidence that qualifies the data
recipient: SMTP headers, source addresses, dark web listing captures where
applicable. AFNOR report, timestamp, and chain of custody: detailed in the full dossier
below.
Every dollar recovered through subrogation is a dollar of net claim less.
DataBait provides the proof without which no recourse is actionable.
Severity (insider)
Detect insider leaks at the source
$4.92M on average for a malicious insider per IBM 2025, versus $4.44M
across all vectors combined. Top vector for two years running.
Three scenarios concentrate the risk, and your claims teams will recognize them
immediately:
Departing employee who takes the customer database to a new employer
or to launch their own venture.
Disloyal employee who resells contacts to a third party or uses them
for an undeclared parallel activity.
Rogue partner or subcontractor who steps outside the contractual scope
and exploits granted access.
None of these triggers an intrusion log, an antivirus signature, or a SIEM alert. Your
insureds don't see them coming.
Detecting these three scenarios at first use of the data defuses the most expensive claim
class in your portfolio.
Severity (reputational)
Limit reputational damage and customer recourse
Per IBM 2025, lost business(churn, brand erosion, lost
opportunities) remains the #1 cost line of a cyber claim, ahead of detection and
escalation, breach response, and regulatory notification.
DataBait combines two detection mechanisms upstream of public damage:
First-use detection: instant alert as soon as a message reaches a
fictitious account. You cut the chain before the mass phishing campaign, before
identity theft, before payment fraud.
Dark web scanning: continuous correlation of fictitious accounts with
public leaks, forums, and marketplaces. When a fictitious account surfaces, you know
your insureds' data has leaked, before a customer complaint, a regulator, or the press
reveals the breach.
The two mechanisms cover different angles (active use on the first-use side, passive
exposure on the dark web side) and flag leaks that an insured would otherwise discover too
late to limit the claim. Cutting the chain upstream of customer harm cuts the chain upstream
of class actions, cascade cancellations, and indemnifications that your contracts cover.
Fines
Secure your insureds' GDPR notification deadline
Article 33 of the GDPR requires a data controller to notify the supervisory authority within
72 hours of becoming aware of a data leak or misuse. Late notification is
one of the most frequently invoked aggravation factors by European authorities.
For each detected event, DataBait delivers:
An official date of awareness, sealed by qualified eIDAS timestamping
issued by a QTSP listed on the EU Trusted List.
A sworn commissaire de justice (judicial officer) report
compliant with AFNOR NF Z67-147.
A chain of custody admissible before French and European courts.
Qualified eIDAS timestamping carries a legal presumption of validity throughout the
European Union. In plain terms: the date of awareness is no longer disputable.
The stakes are not theoretical: per IBM 2025, one in three organizations
paid a regulatory fine, and 48% of those fines exceeded $100,000. Timestamped proof
neutralizes one of the main aggravation factors for GDPR fines.
Claims teams, regulators, courts
A complete dossier, delivered within 72 h
On every alert, DataBait delivers a pre-built evidence dossier, usable by three audiences who
usually consult separate dossiers: your claims teams for handling and assessment,
the data protection authority for the 72-hour notification, recovery
courts for subrogation against the responsible party.
Sworn commissaire de justice (judicial officer) report, signed
within 72 h of the alert.
eIDAS · art. 41
Qualified timestamping, legal presumption of validity throughout the
European Union.
Forensic metadata
SMTP headers, source addresses, content, dark web correlation where applicable.
Chain of custody
Documented, admissible before French and European courts.
SecNumCloud · ISO 27001
Data hosted in France, ANSSI-qualified infrastructure.
Partnership
Four ways to work together
Depending on your distribution strategy and the maturity of your cyber insurance offering, several
integration models are possible.
Portfolio effect
Referral and recommendation
Your brokers and account managers recommend DataBait to your insureds in the most exposed
segments: high unit severity (healthcare, financial services, industry, energy, technology)
or high reputational exposure (e-commerce, retail, B2C platforms). You benefit from a
portfolio effect without modifying existing contracts.
Standard benefit
Contractual inclusion
DataBait included as a standard benefit of a cyber policy. Differentiating positioning:
coverage integrates upstream detection, no longer just after-the-fact indemnification.
Pricing lever
Conditional premium reduction
Insureds who activate DataBait qualify for a documented premium reduction. Their measurable
posture reduces your exposure; you share the benefit.
Brand integration
White label
DataBait delivered under your brand as a value-added service. The platform, the network of
sworn commissaires de justice, and the evidence infrastructure are managed by our
teams. Zero operational overhead for the insurer.
Frequently asked questions
Underwriting and claims directors
What scope is covered?
All databases containing customer data (CRM, ERP, marketing, partners, subcontractors).
DataBait detects three signal families:
External leaks: cyberattack or supplier compromise.
Dark web exposure: data surfacing in public leaks, forums, or
marketplaces.
How long before the first actionable alert?
Two detection mechanisms. On the first-use side, the alert is instant
as soon as a message reaches a fictitious account. On the dark web
scanning side, the alert is triggered at the scan cycle that spots a
fictitious account on a monitored source.
In both cases, the commissaire de justice report is delivered within 72 h of the
alert.
What is the impact on the insured's systems?
None. DataBait runs as a fully managed SaaS, with zero
infrastructure changes for the insured. No agent, no schema migration, no
connector to maintain.
Sovereignty and compliance?
Data hosted in France, SecNumCloud-qualified hosting (ANSSI qualification), ISO 27001.
Evidence produced under French law (commissaire de justice, AFNOR NF Z67-147)
and recognized throughout the European Union (qualified eIDAS timestamping).
What if no alert is raised over the contract period?
A database under DataBait that has never triggered an alert demonstrates, by
construction, the absence of detectable misuse. It's a measurable underwriting signal,
not a marketing promise.
For which cyber insurance portfolios does DataBait deliver the most value?
Two portfolio types stand out, along two distinct exposure axes documented in IBM
Cost of a Data Breach Report 2025.
Axis 1, high unit severity. The five segments with the highest average
breach cost (figure 3):
Healthcare: $7.42M, 14th consecutive year at the top.
Financial services: $5.56M.
Industry: $5.00M.
Energy: $4.83M.
Technology: $4.79M.
Every claim avoided or reduced has a direct measurable impact on the unit severity of
your portfolio.
Axis 2, mass exposure and reputational risk.E-commerce, retail,
and B2C platforms. Average breach cost is more moderate ($3.54M for retail per
IBM, including brick-and-mortar and e-commerce), but three factors amplify insurance
risk:
Customer PII records account for 53% of all compromised data across
all sectors per IBM (figure 6), the most targeted data type on the market.
Customer databases there are the largest; the scale effect in case of a leak is
unmatched (large-scale phishing campaigns, class actions proportional to exposed
volume).
The lost business component (brand erosion, churn, loss of trust)
weighs more heavily than elsewhere in total cost, in sectors where customer trust
is the primary capital.
A 30-minute conversation on a sample of recent claims is enough to quantify the expected
impact on your combined ratio.
Let's discuss your portfolio.
Book 30 minutes with our team: we review a sample of your recent claims and quantify the expected
impact on your combined ratio.
