This report offers unique insights into the evolution of cyber threats through exclusive analyses, an in-depth look at major trends in 2024, and lessons learned from cyber incidents impacting small and mid-sized companies in Europe:

• Exclusive overview of cyber threats in 2024: insights into systemic risk, a year-end surge in ransomware attacks, and data breaches.
• Analysis of claims trends: frequency and nature of cyber incidents suffered by Stoïk’s insureds, highlighting the importance of prevention and effective incident response strategies.
• 2025 forecasts: the growing role of AI, emerging cyber threats, stricter regulatory requirements (NIS 2 Directive, DORA), and impact of geopolitics.