{"id":27296,"date":"2021-07-04T16:37:00","date_gmt":"2021-07-04T14:37:00","guid":{"rendered":"https:\/\/perseus.de\/le-risque-du-cyber-silencieux-le-silence-nest-pas-toujours-de-lor\/"},"modified":"2026-03-30T16:02:43","modified_gmt":"2026-03-30T14:02:43","slug":"le-risque-du-cyber-silencieux-le-silence-nest-pas-toujours-de-lor","status":"publish","type":"post","link":"https:\/\/perseus.de\/fr\/le-risque-du-cyber-silencieux-le-silence-nest-pas-toujours-de-lor\/","title":{"rendered":"Le risque du \u00ab cyber silencieux \u00bb \u2013 le silence n\u2019est pas toujours de l\u2019or"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27296\" class=\"elementor elementor-27296 elementor-22611\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba0588 e-flex e-con-boxed e-con e-parent\" data-id=\"2ba0588\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6459d3d elementor-widget elementor-widget-image\" data-id=\"6459d3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"384\" src=\"https:\/\/perseus.de\/wp-content\/uploads\/2025\/05\/Silence_-kristina-flour-via-unsplash-600x384-1.jpg\" class=\"attachment-medium_large size-medium_large wp-image-27295\" alt=\"\" srcset=\"https:\/\/perseus.de\/wp-content\/uploads\/2025\/05\/Silence_-kristina-flour-via-unsplash-600x384-1.jpg 600w, https:\/\/perseus.de\/wp-content\/uploads\/2025\/05\/Silence_-kristina-flour-via-unsplash-600x384-1-300x192.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Cr\u00e9dit image : Kristina Flour via Unsplash<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2968326a e-flex e-con-boxed e-con e-parent\" data-id=\"2968326a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-021b0a1 e-con-full e-flex e-con e-child\" data-id=\"021b0a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cb9e1c1 e-con-full e-flex e-con e-child\" data-id=\"cb9e1c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-257a9fd elementor-widget elementor-widget-text-editor\" data-id=\"257a9fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6>04.07.2021<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a722429 elementor-widget elementor-widget-heading\" data-id=\"a722429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le risque du \u00ab cyber silencieux \u00bb \u2013 le silence n\u2019est pas toujours de l\u2019or\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5215ce elementor-widget elementor-widget-text-editor\" data-id=\"f5215ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cybers\u00e9curit\u00e9 | Protection informatique | Vecteurs d\u2019attaque<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4efdba3 e-con-full e-flex e-con e-child\" data-id=\"4efdba3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c128b0 elementor-widget elementor-widget-text-editor\" data-id=\"3c128b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Le cyber silencieux d\u00e9crit un risque cybern\u00e9tique \u00ab silencieux \u00bb ou soi-disant non affirmatif. Cela signifie que la couverture pour les dommages caus\u00e9s \u00e0 la suite d\u2019une cyberattaque n\u2019est pas explicitement incluse ni exclue dans les polices d\u2019assurance. Donc il restera silencieux \u00e0 ce sujet. Cela peut poser probl\u00e8me en cas de dommage.   <\/strong><\/p>\n<p>Ces derni\u00e8res ann\u00e9es, l\u2019int\u00e9r\u00eat pour l\u2019assurance cyber a augment\u00e9. Selon la GDV, les petites et moyennes entreprises se prot\u00e8gent de plus en plus contre les menaces d\u2019Internet. En 2020, 35 % des petites entreprises (2 \u00e0 10 millions d\u2019euros de ventes) et 43 % des entreprises de taille moyenne (10 \u00e0 50 millions d\u2019euros de ventes) ont d\u00e9clar\u00e9 avoir d\u00e9j\u00e0 une assurance cyber ou envisager de souscrire une assurance cyber.  <\/p>\n<p>Inversement, cela signifie que la plupart des entreprises n\u2019ont pas encore reconnu les avantages de l\u2019assurance cyber. Les cyberattaques repr\u00e9sentent d\u00e9sormais le plus grand risque commercial mondial (selon le Barom\u00e8tre des risques Allianz). <\/p>\n<p>Actuellement, de nombreuses entreprises comptent sur des polices conventionnelles de propri\u00e9t\u00e9 et de responsabilit\u00e9 civile, qui couvrent parfois aussi les cyberd\u00e9g\u00e2ts. Cependant, si ces dommages ne sont pas express\u00e9ment inclus ou exclus, le risque de \u00ab cyber silencieux \u00bb existe. <\/p>\n<p>Dans une \u00e9tude de l\u2019agence de notation Assekurata, 74 % des assureurs cyber interrog\u00e9s ont d\u00e9clar\u00e9 que les couvertures conventionnelles de biens et de responsabilit\u00e9 comportent un risque significatif de \u00ab cyber silencieux \u00bb (\u00e9tude : \u00ab La grande vague cyber arrive toujours ! \u00bb, 2019).<\/p>\n<p><strong><br><\/strong><\/p><p><strong>Risques concrets du \u00ab cyber silencieux \u00bb<\/strong><\/p>\n<p>Quelles sont les cons\u00e9quences si les risques cybern\u00e9tiques ne sont pas ou seulement insuffisamment pris en compte dans une politique, c\u2019est-\u00e0-dire s\u2019ils sont des risques \u00ab silencieux \u00bb ? Dans ce cas, en cas de dommages dus \u00e0 une cyberattaque, il n\u2019est pas clair dans quelle mesure ces dommages sont couverts. Ou s\u2019ils sont couverts du tout.  <\/p>\n<p>Le risque de \u00ab cybers\u00e9curit\u00e9 silencieuse \u00bb touche \u00e0 la fois les compagnies d\u2019assurance et les personnes assur\u00e9es. Par exemple, Marsh, un courtier international en assurance industrielle et cabinet de conseil en risques, explique que les compagnies d\u2019assurance avec une formulation non affirmative de la police s\u2019exposent \u00e0 un risque accru. Cela s\u2019explique par le fait que le fait de ne pas prendre en compte les risques cybern\u00e9tiques potentiels ne calcule pas le risque accru de l\u2019assur\u00e9, ni n\u2019\u00e9value l\u2019agr\u00e9gation potentielle des risques dans son propre portefeuille.  <\/p>\n<p>Les assur\u00e9s assument \u00e9galement un risque accru, car de nombreux contrats conventionnels de propri\u00e9t\u00e9 et de responsabilit\u00e9 civile ne couvrent pas les dommages subis \u00e0 la suite d\u2019une cyberattaque. Cependant, pour que l\u2019assur\u00e9 reconnaisse ce risque accru, il doit \u00eatre formul\u00e9 explicitement. Sinon, certains assur\u00e9s pensent avoir une couverture ad\u00e9quate pour les risques cybern\u00e9tiques, alors qu\u2019ils ne l\u2019ont pas.  <\/p>\n<p>De plus, les formulations non affirmatives peuvent \u00eatre interpr\u00e9t\u00e9es diff\u00e9remment par les compagnies d\u2019assurance. En cas de dommage, cela peut entra\u00eener des litiges juridiques. <\/p>\n<p><strong><br><\/strong><\/p><p><strong>Comment \u00e9viter les malentendus ?<\/strong><\/p>\n<p>Il est conseill\u00e9 aux assur\u00e9s de v\u00e9rifier si les pertes cybern\u00e9tiques sont explicitement prises en compte et couvertes par leurs polices existantes de biens et de responsabilit\u00e9. Si ce n\u2019est pas le cas, il est conseill\u00e9 de le faire plus tard. Par exemple, avec une assurance cyber individuelle suppl\u00e9mentaire qui, en plus de la couverture des dommages financiers, offre \u00e9galement des services utiles tels qu\u2019une assistance d\u2019urgence 24h\/24 et 7j\/7 ou des mesures d\u2019\u00e9ducation et de formation pr\u00e9ventives. Apr\u00e8s tout, ces mesures aident \u00e0 contenir les cyberattaques ou, dans le meilleur des cas, \u00e0 les \u00e9viter compl\u00e8tement \u2013 et les meilleurs d\u00e9g\u00e2ts sont toujours ceux qui ne se produisent pas au d\u00e9part.   <\/p>\n<p><strong><br><\/strong><\/p><p><strong>Ce que dit l\u2019expert de Pers\u00e9e<\/strong><\/p>\n<p>Milan Jarosch, Senior Channel Sales Manager et principalement responsable des courtiers en assurance, d\u00e9clare :<\/p>\n<p>\u00ab Le sujet du cyber silencieux est principalement une question d\u2019assureur, car il existe des risques potentiels dans le portefeuille qui, d\u2019une part, ne peuvent pas (encore) \u00eatre \u00e9valu\u00e9s ou valablement calcul\u00e9s et, d\u2019autre part, ne sont pas refl\u00e9t\u00e9s dans la prime.<\/p>\n<p>Pour les clients, c\u2019est globalement positif au d\u00e9but, car en cas de doute, ils b\u00e9n\u00e9ficient d\u2019une couverture d\u2019assurance pour quelque chose qu\u2019ils ne connaissent g\u00e9n\u00e9ralement pas et pour lequel ils ne paient pas. Cela n\u2019est n\u00e9gatif que si un client pense avoir \u00ab souscrit \u00bb une assurance cyber avec sa police d\u2019assurance biens\/responsabilit\u00e9 civile. Ensuite, bien s\u00fbr, il pourrait y avoir un r\u00e9veil brutal, car le contenu de la couverture des polices d\u2019assurance cyber courantes (souvent de loin) d\u00e9passe largement la couverture dans ce domaine. En pratique, cependant, il s\u2019agit davantage d\u2019un sc\u00e9nario th\u00e9orique, car dans la plupart des cas, les clients ont \u00e9t\u00e9 inform\u00e9s en cons\u00e9quence par leur courtier superviseur et devraient donc \u00eatre conscients de l\u2019\u00e9cart de couverture dans le secteur cyber. \u00bb   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d84bbc e-flex e-con-boxed e-con e-parent\" data-id=\"4d84bbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05a335d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"05a335d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le cyber silencieux d\u00e9crit un risque cybern\u00e9tique \u00ab silencieux \u00bb ou soi-disant non affirmatif. Cela signifie que la couverture pour les dommages caus\u00e9s \u00e0 la suite d\u2019une cyberattaque n\u2019est pas explicitement incluse ni exclue dans les polices d\u2019assurance. Donc il restera silencieux \u00e0 ce sujet. Cela peut poser probl\u00e8me en cas de dommage.   <\/p>\n","protected":false},"author":3,"featured_media":27295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[61],"tags":[],"class_list":["post-27296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le risque du \u00ab cyber silencieux \u00bb \u2013 le silence n\u2019est pas toujours de l\u2019or - Perseus Technologies<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/perseus.de\/fr\/le-risque-du-cyber-silencieux-le-silence-nest-pas-toujours-de-lor\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le risque du \u00ab cyber silencieux \u00bb \u2013 le silence n\u2019est pas toujours de l\u2019or - Perseus Technologies\" \/>\n<meta property=\"og:description\" content=\"Le cyber silencieux d\u00e9crit un risque cybern\u00e9tique \u00ab silencieux \u00bb ou soi-disant non affirmatif. 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