​🔵 Digital Innovation · 🪑 Roundtable · 🔒 Exclusive

​CTO Circle #4 – Cyber Risk: Protect or Insure?

​You can invest more in cybersecurity. You can transfer part of the risk through insurance.

​But where is the right balance?

​Across the first three CTO Circles, we explored how much security is enough, how to build more robust technology, and how to manage risk across the value chain.

​For this final session, we’ll bring these questions together and look at one key decision: what should you protect, what should you accept, and what should you transfer through insurance?

​Starting from a real-world case, we’ll tackle four practical questions:

​1. How does your actual level of protection impact your insurability?

​Which security controls do insurers expect? How do your maturity and risk exposure affect coverage, conditions and premiums?

​2. Does compliance mean you are sufficiently protected — and insurable?

​NIS2, ISO 27001, DORA… Where do compliance, actual resilience and insurers’ expectations converge — and where do they differ?

​3. Where should protection stop — and insurance begin?

​Not every risk can be eliminated. Which risks should you mitigate, accept or transfer?

​Where is the next euro better spent: on additional protection or insurance?

​4. Will your insurance actually protect you when it matters?

​When an incident becomes a claim, could you demonstrate that the controls and processes you declared were actually in place? What evidence would you need — before the incident happens?

​The objective is not to discuss insurance policies in isolation, but to put insurance back into the broader cyber risk equation:

​What do you protect? What do you accept? What do you transfer? And how do you make that trade-off deliberately?

​About the CTO Circle

​A confidential peer-to-peer discussion for CTOs and Senior Technology Leaders from companies active in the digital sector.

​15 participants maximum. Participation is subject to approval to keep the group relevant and allow for meaningful exchanges between peers.

​This event is organized with the support of Wallonie Entreprendre, in accordance with the de minimis Regulation.