Buyer fit
Good fit when
- ✓European SMEs wanting cyber insurance and MDR in one broker-sold bundle
- ✓Companies in France, Germany, Spain, Belgium, Austria or Luxembourg
- ✓Organizations needing affordable endpoint monitoring without complex procurement
Watch out when
- ×Organizations needing active remediation or autonomous containment
- ×Companies requiring cloud, SaaS or identity threat detection
- ×Enterprises wanting published detection metrics and proactive threat hunting
Coverage
1 of 6 attack surfaces in the base price; the rest are separately priced.
EDR
Additional capabilities
Incident response
Pricing
Bundled annual pricing combining cyber insurance and MDR.
How pricing works+−
Price varies by company size, revenue, sector and coverage tier. Sold through 2,000+ broker partners only.
Not published. MDR is not priced separately from insurance.
Cost caveats
- –Requires CrowdStrike Falcon EDR deployment. Cannot use a competing endpoint agent.
- –MDR is only available bundled with a Stoik insurance policy. No standalone MDR purchase option.
- –Sold through broker partners only. No direct purchase from Stoik.
1 more+−
- –Revenue cap: companies up to 1B EUR turnover (expanded from 750M EUR after CyberContract acquisition in September 2025).
What costs extra (2)+−
- –Higher insurance coverage tiers above base policy
- –Stoik Protect platform features (included only for policyholders)
Warranty conditions+−
Not a breach warranty. Stoik offers full cyber insurance (up to 7.5M EUR, or 10M EUR in Belgium post-CyberContract) underwritten by partners including Swiss Re and Tokio Marine HCC. This is actual insurance, not the warranty model used by CrowdStrike or Arctic Wolf.
Team and access
Reputation
Almost no English-language reviews. 10,000+ insured companies and 200%+ YoY growth show market traction in continental Europe. Backed by a16z, Munich Re Ventures and Alven (~$78M raised through Series C in Jan 2026). Practitioner sentiment on MDR quality is impossible to gauge from public sources.
What customers praise
- ✓Bundled insurance and MDR removes buying friction for SMEs
- ✓CrowdStrike Falcon EDR as detection foundation
- ✓Low entry price relative to standalone MDR providers
Common complaints
- ×No published detection metrics or third-party validation
- ×Endpoint-only, no cloud, SaaS or identity detection
- ×Sold only through brokers, limiting direct buyer control
No Reddit discussion found. Almost no English-language community presence. Coverage is in French media and insurance industry press.
Questions to ask
- 1.
Can we buy MDR without insurance, or insurance without MDR? What happens to one if we cancel the other?
- 2.
What does 'automatically neutralizes' mean in practice? Which response actions happen without our approval?
- 3.
How many analysts staff CERT-Stoik, and how does the team scale with 10,000+ insured companies and 600 new ones monthly?
- 4.
What happens to our insurance premiums after we file a claim? Does coverage decrease on renewal?
- 5.
How does this differ from running CrowdStrike Falcon Complete directly? What does CERT-Stoik add beyond Falcon's own detections?
- 6.
What data can we export if we leave? Is there a documented transition process?
- 7.
Who are the underwriters backing our specific policy, and what is their claims history for cyber?
Evidence
Sources reviewed
Public-data caveats
- –No public contractual response-time SLA is recorded for this profile.
- –No public fixed price is recorded; compare only after a scoped quote.
- –No public breach warranty is recorded.
- –Response authority may depend on pre-approval and contract scope.
- –MDR analyst headcount or analyst-to-customer ratio is not public.
Also consider
Further reading
Independent research. Verify details directly with the provider before making decisions.