{"id":1961,"date":"2025-07-24T14:01:09","date_gmt":"2025-07-24T18:01:09","guid":{"rendered":"https:\/\/assurances-simon.com\/?p=1961"},"modified":"2025-07-24T14:01:28","modified_gmt":"2025-07-24T18:01:28","slug":"5-risques-emergents-de-responsabilite-cyber-pour-les-entreprises-quebecoises-en-2025-assurances-simon","status":"publish","type":"post","link":"https:\/\/assurances-simon.com\/fr\/5-risques-emergents-de-responsabilite-cyber-pour-les-entreprises-quebecoises-en-2025-assurances-simon\/","title":{"rendered":"5 risques \u00e9mergents de responsabilit\u00e9 cyber pour les entreprises qu\u00e9b\u00e9coises en\u202f2025 | Assurances Simon"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">5 risques \u00e9mergents de responsabilit\u00e9 cyber que chaque entreprise qu\u00e9b\u00e9coise doit aborder en 2025<\/h1>\n\n\n\n<p>Alors que les PME qu\u00e9b\u00e9coises acc\u00e9l\u00e8rent leur transformation num\u00e9rique et g\u00e9n\u00e9ralisent le t\u00e9l\u00e9travail, les menaces cybern\u00e9tiques se complexifient et les enjeux sont plus \u00e9lev\u00e9s que jamais. Une <strong><a href=\"https:\/\/assurances-simon.com\/fr\/cyber-assurance\/\" data-type=\"page\" data-id=\"900\">assurance responsabilit\u00e9 cyber Qu\u00e9bec<\/a><\/strong> sur mesure est incontournable, mais comprendre les vuln\u00e9rabilit\u00e9s actuelles constitue votre premi\u00e8re ligne de d\u00e9fense. Voici les cinq risques majeurs \u00e0 traiter d\u00e8s maintenant et les \u00e9tapes cl\u00e9s pour renforcer vos d\u00e9fenses tout en ajustant vos garanties.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0-1024x1024.jpg\" alt=\"Qu\u00e9bec cyber liability insurance risks 2025. risques responsabilit\u00e9 cyber Qu\u00e9bec 2025\" class=\"wp-image-1956\" style=\"object-fit:cover;width:600px;height:600px\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0-1024x1024.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0-300x300.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0-150x150.jpg 150w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0-768x768.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0-1536x1536.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/universal_upscale_0_b5d285c7-c525-435b-a265-ea58f7bd7911_0.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">1. Ransomware\u2011as\u2011a\u2011Service et attaques \u00ab\u202fbig game hunting\u202f\u00bb<\/h2>\n\n\n\n<p>En 2024, les plateformes RaaS (Ransomware\u2011as\u2011a\u2011Service) ont prolif\u00e9r\u00e9 sur le dark web, permettant \u00e0 des cybercriminels peu qualifi\u00e9s de lancer des campagnes \u00e0 fort impact et d\u2019exiger des ran\u00e7ons de plusieurs millions de dollars aupr\u00e8s d\u2019infrastructures critiques, d\u2019\u00e9tablissements de sant\u00e9 et de grandes entreprises\u00b9. Des cas r\u00e9cents au Qu\u00e9bec ont paralys\u00e9 des op\u00e9rations et d\u00e9clench\u00e9 l\u2019obligation de notification de br\u00e8che pr\u00e9vue par la Loi\u202f25.<\/p>\n\n\n\n<p><strong>Recommandations :<\/strong><br>&#8211; Tester trimestriellement des sauvegardes immuables<br>&#8211; Maintenir un mandat d\u2019intervention pour sp\u00e9cialistes m\u00e9dico\u2011l\u00e9gaux<br>&#8211; V\u00e9rifier que la police couvre l\u2019extorsion, l\u2019interruption d\u2019activit\u00e9 et le paiement de ran\u00e7on<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Bourrage d\u2019identifiants et scans automatis\u00e9s<\/strong><\/h2>\n\n\n\n<p>Les outils de balayage automatis\u00e9 sondent aujourd\u2019hui les r\u00e9seaux \u00e0 plus de 36\u202f000 requ\u00eates \u00e0 la seconde\u00b2, \u00e0 la recherche de ports RDP expos\u00e9s et de VPN mal configur\u00e9s. Les bases de donn\u00e9es de mots de passe vol\u00e9s alimentent une hausse de 42\u202f% des attaques par le bourrage d&rsquo;identifiants, souvent plusieurs semaines avant le d\u00e9ploiement de logiciels malveillants.<\/p>\n\n\n\n<p><strong><strong>Recommandations :<\/strong><\/strong><br>&#8211; Imposer la MFA sur tous les services distants et cloud<br>&#8211; Ajouter une garantie de surveillance du dark web<br>&#8211; Former les employ\u00e9s aux techniques de phishing et de <a href=\"https:\/\/assurances-simon.com\/fr\/cyber-assurance\/\" data-type=\"page\" data-id=\"900\">manipulation sociale<\/a>, avec couverture des pertes<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Exposition IoT et t\u00e9l\u00e9travail hybride<\/h2>\n\n\n\n<p>Cam\u00e9ras connect\u00e9es, imprimantes Wi\u2011Fi et routeurs domestiques peuvent devenir des portes d\u00e9rob\u00e9es pour les cybercriminels. Les firmes de services professionnels et les d\u00e9taillants du Qu\u00e9bec, qui s\u2019appuient sur l\u2019IoT, constatent qu\u2019un seul appareil vuln\u00e9rable suffit \u00e0 compromettre tout le r\u00e9seau.<\/p>\n\n\n\n<p><strong><strong>Recommandations :<\/strong><\/strong><br>&#8211; R\u00e9aliser des \u00e9valuations de vuln\u00e9rabilit\u00e9 IoT chaque trimestre<br>&#8211; S\u00e9parer r\u00e9seaux corporate et IoT par segmentation<br>&#8211; V\u00e9rifier les extensions Technology E&amp;O pour les incidents li\u00e9s \u00e0 l\u2019IoT<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Risque cyber en cha\u00eene d\u2019approvisionnement et interruption d\u2019activit\u00e9<\/h2>\n\n\n\n<p>Plus de 1\u202f300 \u00e9valuations de risque de cha\u00eene d\u2019approvisionnement ont \u00e9t\u00e9 r\u00e9alis\u00e9es au Canada en 2024\u20132025\u00b3, soulignant la menace des fournisseurs compromis. Une seule faille chez un partenaire peut g\u00e9n\u00e9rer des r\u00e9clamations de responsabilit\u00e9 et des pertes de revenus en cascade.<\/p>\n\n\n\n<p><strong><strong>Recommandations :<\/strong><br><\/strong>&#8211; Exiger des questionnaires de s\u00e9curit\u00e9 fournisseurs comme condition de couverture<br>&#8211; \u00c9tendre l\u2019interruption d\u2019activit\u00e9 aux pertes li\u00e9es aux pannes tierces<br>&#8211; Confirmer que la clause cha\u00eene d\u2019approvisionnement couvre explicitement les incidents partenaires<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Conformit\u00e9 Loi\u202f25 et responsabilit\u00e9 vie priv\u00e9e<\/h2>\n\n\n\n<p>Depuis septembre\u202f2024, la Loi\u202f25 impose la notification \u00e0 la CAI pour toute br\u00e8che pr\u00e9sentant un \u00ab\u202frisque de pr\u00e9judice s\u00e9rieux\u202f\u00bb aux personnes, avec des amendes pouvant atteindre 25\u202fM\u202f$\u202fCAD et un impact r\u00e9putationnel majeur\u2074. M\u00eame une fuite mineure exige une r\u00e9ponse coordonn\u00e9e en juridique, technique et communication.<\/p>\n\n\n\n<p><strong><strong>Recommandations :<\/strong><\/strong><br>&#8211; Mettre \u00e0 jour le plan de gestion de crise avec mod\u00e8les de notification CAI<br>&#8211; V\u00e9rifier que votre police couvre les frais de d\u00e9fense r\u00e9glementaire et la gestion de crise m\u00e9diatique<br>&#8211; Ajuster les limites de garantie selon le cadre punitif de la Loi\u202f25<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Construisez votre r\u00e9silience cyber d\u00e8s aujourd\u2019hui<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u00c9valuation des risques :<\/strong> Cartographiez vos expositions en ransomware, credentials, IoT, fournisseurs et vie priv\u00e9e.<\/li>\n\n\n\n<li><strong>Audit de votre portefeuille :<\/strong> Collaborez avec <a href=\"https:\/\/assurances-simon.com\/fr\/contactez-nous\/\" data-type=\"page\" data-id=\"135\">Assurances \u202fSimon<\/a> pour valider que votre <strong>assurance responsabilit\u00e9 cyber Qu\u00e9bec<\/strong> inclut les extensions et limites adapt\u00e9es.<\/li>\n\n\n\n<li><strong>Formation et tests r\u00e9guliers :<\/strong> Alliez mesures techniques et exercices de sensibilisation, y compris des simulations de crise.<\/li>\n<\/ol>\n\n\n\n<p>Pour une analyse sans engagement, contactez-nous au 514\u202f881\u20118885 ou visitez <a>notre page de contact<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u00b9 Ransomware\u2011as\u2011a\u2011Service : explosion des plateformes RaaS en 2024 (Centre canadien pour la cybers\u00e9curit\u00e9)<br>\u00b2 Plus de 36\u202f000 balayages r\u00e9seau par seconde en T1\u202f2025 (SANS Institute)<br>\u00b3 1\u202f300 \u00e9valuations de risque cha\u00eene d\u2019approvisionnement en 2024\u20132025 (RiskRecon)<br>\u2074 Amendes jusqu\u2019\u00e0 25\u202fM\u202f$\u202fCAD pour br\u00e8ches Loi\u202f25 (Commission d\u2019acc\u00e8s \u00e0 l\u2019information)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>5 risques \u00e9mergents de responsabilit\u00e9 cyber que chaque entreprise qu\u00e9b\u00e9coise doit aborder en 2025 Alors que les PME qu\u00e9b\u00e9coises acc\u00e9l\u00e8rent leur transformation num\u00e9rique et g\u00e9n\u00e9ralisent le t\u00e9l\u00e9travail, les menaces cybern\u00e9tiques se complexifient et les enjeux sont plus \u00e9lev\u00e9s que jamais. Une assurance responsabilit\u00e9 cyber Qu\u00e9bec sur mesure est incontournable, mais comprendre les vuln\u00e9rabilit\u00e9s actuelles constitue [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1964,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1961","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"_links":{"self":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1961","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/comments?post=1961"}],"version-history":[{"count":1,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1961\/revisions"}],"predecessor-version":[{"id":1966,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1961\/revisions\/1966"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media\/1964"}],"wp:attachment":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media?parent=1961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/categories?post=1961"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/tags?post=1961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}