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C'est un marché à très fort potentiel, peu travaillé, où un courtier peut apporter une vraie valeur de conseil. S'appuyer sur un grossiste permet de distribuer sans devenir un expert technique du sujet.",{"question":43,"answer":44},"Que couvre une cyberassurance TPE-PME ?","Généralement : les frais de remédiation et de restauration des systèmes, la perte d'exploitation consécutive, la gestion de crise (experts IT, juridique, communication), les frais de notification en cas de violation de données, la responsabilité civile vis-à-vis des tiers, et parfois la prise en charge encadrée d'une cyber-extorsion. Le détail dépend du contrat.",{"question":46,"answer":47},"Faut-il être expert en cybersécurité pour en vendre ?","Non. Le rôle du courtier est d'identifier le besoin, de poser les bonnes questions (sauvegardes, double authentification, dépendance informatique) et de proposer une couverture adaptée. 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Le code courtier (ou code compagnie) est l'identifiant qu'un assureur ou un grossiste vous attribue pour placer des affaires chez lui et percevoir vos commissions. L'un est administratif, l'autre commercial.",{"question":628,"answer":629},"Le code APE du courtage, c'est lequel ?","Le plus courant est le 6622Z (« Activités des agents et courtiers d'assurances »). Il sert aux statistiques et à l'administration, pas à distribuer des contrats. Il ne remplace ni l'immatriculation ORIAS ni un code compagnie.",{"question":631,"answer":632},"Le numéro ORIAS est-il un code courtier ?","Non. Le numéro ORIAS atteste de votre immatriculation au registre des intermédiaires : c'est l'autorisation d'exercer. Le code courtier, lui, est ouvert par chaque compagnie ou grossiste pour vous identifier dans son système. 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