THE ART OF MASTERING RISKAFRICA & THE MIDDLE EAST
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THE ART OF MASTERING RISK
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ROUX CYBER · AFRICA & THE MIDDLE EAST

CYBER RISK ASSESSMENT

ENGINEERING RISK SURVEY · CYBER CLAIMS ADJUSTING

ANTICIPATE RISK · PROTECT VALUE · ADVOCATE THE CLAIM

From risk insurability to claim advocacy, Roux Cyber brings together cyber expertise, insurance engineering and financial quantification.

Before inception or renewal, Roux Cyber conducts an evidence-based Cyber Engineering Risk Survey built around loss scenarios and financial-impact analysis. The resulting Cyber Risk Assessment supports decisions by the organisation, broker, insurer and reinsurer.

After a loss, Roux Cyber acts as a Cyber Claims Adjuster on behalf of the insured to structure the evidence, coordinate specialist expertise, quantify the loss and advocate the claim through settlement.

Plan a Cyber Risk Assessment Explore the two intervention phases

POSITIONING

Engineering Risk Survey applied to cyber risk.

Roux Cyber applies Engineering Risk Survey discipline to cyber: defined scope, reference date, evidence gathering, exposure analysis, loss scenarios, control assessment and prioritised recommendations.

The deliverable provides an independent, dated and documented analysis of the observed position. It highlights critical exposures, control effectiveness, loss scenarios and residual risk to support governance, prevention and insurance risk transfer.

Audience
Insured organisationsBoards of DirectorsCIOs & CISOsRisk ManagersInsurance ManagersBrokersInsurersReinsurers

TWO COMPLEMENTARY PHASES

Assess before inception. Advocate after a loss.

01 · INCEPTION · RENEWAL

Cyber Risk Assessment / Cyber Engineering Risk Survey

At a stated reference date, Roux Cyber establishes the cyber-risk profile, assesses safeguard effectiveness and models loss scenarios to inform insurability, capacity, limits, deductibles, sublimits, waiting periods and terms and conditions of cover.

View scope and deliverables

SCOPE

  • map critical assets, data, processes and IT/OT dependencies
  • review governance, identity, segmentation, backups, detection, response and third parties
  • develop ransomware, outage, data breach, fraud and supplier scenarios
  • quantify durations and financial impacts from available data
  • assess control effectiveness and residual risk
  • prioritise improvements relevant to risk and insurance

DELIVERABLES

  • Cyber Engineering Risk Survey Report
  • Executive Underwriting Dashboard
  • Cyber Loss Scenario Register
  • Risk Improvement Plan
  • Insurance & Reinsurance Data Pack
02 · AFTER A LOSS

Cyber Claims Adjusting — on behalf of the insured

Roux Cyber supports the insured from notification and evidence preservation through quantification, presentation and advocacy of the cyber claim.

View scope and deliverables

SCOPE

  • establish claim governance and chronology
  • coordinate appointed technical and financial specialists
  • coordinate specialist digital investigation: preservation of digital evidence, trace analysis and incident reconstruction
  • document facts, causes, emergency measures and response costs
  • quantify incident-response and recovery costs, extortion-related losses, Business Interruption, increased costs and liabilities under the policy
  • prepare interim-payment requests and defend the Statement of Claim through settlement

DELIVERABLES

  • Cyber Claim Strategy Memo
  • Evidence & Causation Matrix
  • Cyber Loss Quantification
  • Interim Payment Requests
  • Statement of Claim
  • Settlement & Closure Report

Both phases follow the same disciplined framework: evidence, scenarios, financial quantification, policy analysis and decision support.

UNDERWRITING VIEW

Six perspectives to evidence cyber risk at a stated reference date.

The dashboard brings together available evidence, material gaps, loss scenarios and uncertainties that influence the structure of the transferred risk.

01

Scope & criticality

Entities, revenue, data, assets, critical processes, IT/OT, cloud and suppliers.

02

Evidenced controls

Documented deployment and effectiveness of essential safeguards, beyond declarations.

03

Loss scenarios

Propagation, interruption, detection, containment, recovery and third-party consequences.

04

Quantification

Orders of magnitude for response costs, increased costs, BI and potential liabilities.

05

Residual risk

Material weaknesses, concentrations, single points of failure and uncertainty.

06

Policy view

Technical evidence relevant to limits, deductibles, sublimits, waiting periods, conditions and reinsurance.

METHOD

One evidence chain across both intervention phases.

  1. 01

    Define

    Define the mandate, entities, systems, applicable terms of cover, reference date and expected decisions.

  2. 02

    Collect

    Structure the Data Room, interviews and technical, financial and contractual evidence.

  3. 03

    Verify

    Distinguish fully evidenced, partially evidenced, merely declared and unsupported controls.

  4. 04

    Scenario

    Connect event, propagation, interruption, recovery and financial consequences.

  5. 05

    Quantify

    Document assumptions, duration, costs, losses, liabilities and confidence levels.

  6. 06

    Report

    Deliver the underwriting dashboard or claim file required by the mandate.

COORDINATED EXPERTISE

An insurance-focused mandate strengthened by authorised specialists.

Roux Cyber leads the insurance-focused analysis of the risk and the loss. Where the mandate requires it, its teams integrate and coordinate technical, operational and legal specialists to produce a coherent, traceable and decision-ready analysis.

  • Penetration-test and vulnerability-assessment results integrated as evidence
  • SOC, MDR and operational-monitoring data analysed against the exposures
  • IT/OT integration work and remediation plans reviewed to assess residual risk
  • ISO certifications and accreditation audits incorporated into the control analysis
  • Specialist digital forensics coordinated after a loss to establish facts and causation
  • Legal advice, data-protection expertise and litigation representation coordinated with authorised professionals

Each specialist remains responsible for their work and conclusions. Roux Cyber ensures overall coherence and connects the findings to insurability, cover, causation and quantum.

FREQUENTLY ASKED QUESTIONS

Understand the mandate before acting.

How does a Cyber Risk Assessment differ from a penetration test?

A Cyber Risk Assessment is an insurance-focused Engineering Risk Survey. It analyses exposures, control effectiveness, loss scenarios and financial impacts. Penetration-test results may be incorporated as evidence where available.

What is the dashboard for?

It provides a point-in-time view of exposures, safeguards, scenarios, financial impacts and residual risk to support cyber insurance and reinsurance placement or renewal.

How does the analysis support decisions on cover?

Roux Cyber provides independent technical and financial analysis to inform risk structuring. Insurers and reinsurers retain responsibility for capacity, pricing, cover and terms and conditions.

Whom does Roux Cyber represent after a loss?

Under this service model, Roux Cyber acts as a Cyber Claims Adjuster on behalf of the insured within the agreed mandate.

Can the engagement continue through settlement?

Yes. It may cover notification, evidence, quantification, interim-payment requests, technical negotiation and settlement tracking. Payment authority remains with the authorised party.

How are digital-forensics specialists and legal advisers involved?

Roux Cyber coordinates their contributions where required by the mandate and integrates their findings into the risk or loss analysis. Each authorised professional remains responsible for their work and opinions.

ROUX CYBER

Evidence the risk. Strengthen insurability. Advocate the claim.

Whether the requirement concerns inception, renewal or a cyber loss, Roux Cyber defines the mandate, scope, evidence chain, scenarios and decision-ready deliverables with you.

Speak with Roux Cyber