For cyber insurers and brokers

Claims contained,
better documented,
less costly

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.

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  • AFNOR NF Z67-147
  • SecNumCloud hosting
  • Qualified eIDAS timestamp

Le coût d'un sinistre cyber

Les sinistres cyber les plus chers sont ceux que la DLP et l'EDR détectent le moins bien : les usages internes et l'exposition différée, découverts en moyenne après huit mois.

4,92M USD Coût moyen d'une fuite par initié malveillant Vecteur le plus coûteux, deux ans de suite
241days Délai mondial moyen pour identifier et contenir une brèche Huit mois avant la première action
+1,14M USD Surcoût d'une brèche découverte tardivement Cycle supérieur à 200 jours

Source : IBM, Cost of a Data Breach 2025

How it works

Five steps to bulletproof evidence

From undetectable fictitious user accounts to court-admissible proof. The DataBait pipeline in five steps, read here through the cyber claim chain.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. Prove

    Preuve scellée en continu : chaque étape est horodatée par eIDAS de l'injection jusqu'au constat, émis par un QTSP inscrit sur la Liste de confiance européenne ; le constat de commissaire de justice, conforme AFNOR NF Z67-147, consolide cette chaîne déjà scellée. Directement exploitable pour vos recours subrogatoires.

What remains is to measure what this pipeline changes for your portfolio.

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

4,92 M USD en moyenne pour un initié malveillant selon IBM 2025, contre 4,44 M USD tous vecteurs confondus. Vecteur n°1 deux ans de suite.

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.
  • Constat de commissaire de justice conforme à la norme 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.

Evidence dossier

Constituted per AFNOR NF Z67-147 · eIDAS timestamping · SecNumCloud-qualified hosting

  1. AFNOR NF Z67-147

    Constat de commissaire de justice, signé sous 72 h après l'alerte.

  2. eIDAS · art. 41

    Qualified timestamping, legal presumption of validity throughout the European Union.

  3. Forensic metadata

    SMTP headers, source addresses, content, dark web correlation where applicable.

  4. Chain of custody

    Documented, admissible before French and European courts.

  5. Hébergement SecNumCloud · ISO 27001

    Data hosted in France, ANSSI-qualified infrastructure.

Single source of the artifacts cited in the Fines and Recovery levers above. Pre-built, no forensic reconstitution required from your teams.

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.
  • Internal misuse: resale, non-consented marketing, out-of-scope subcontractor.
  • 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):

  1. Santé : 7,42 M USD, 14e année consécutive au plus haut.
  2. Services financiers : 5,56 M USD.
  3. Industrie : 5,00 M USD.
  4. Énergie : 4,83 M USD.
  5. Technologie : 4,79 M USD.

Every claim avoided or reduced has a direct measurable impact on the unit severity of your portfolio.

Axe 2, exposition de masse et risque réputationnel. L'e-commerce, le retail et les plateformes B2C. Le coût moyen par brèche y est plus modéré (3,54 M USD pour le retail selon IBM, incluant brick-and-mortar et e-commerce), mais trois facteurs amplifient le risque assurantiel :

  • 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.

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