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The team
Paul Bernardski

Paul Bernardski

Founder and director of research at AlgoPolis, since June 2025

3 underwriting decisions signed and dated, each with its review date · next: no. 4 on 19 October 2026 ↓

Paul Bernardski founded AlgoPolis to study cyber risk, political risk and where they meet, as an underwriter would. His subjects are artificial intelligence and insurance, cyber insurance, political risk and underwriting: a young voice on these questions, who founded his own observatory to make dated decisions on them and test them later against the facts. He works at Neuflize OBC as a work-study analyst in business management for insurance broking, and is studying for the master's in Money, Banking, Finance and Insurance (SAFIR track: Insurance Strategies, Finance and Risks) at Université Paris 1 Panthéon-Sorbonne. He is from Reims.

At AlgoPolis

At AlgoPolis, he leads strategy, studies and research. He sets the editorial line, chooses the subjects, approves the publications and signs the underwriting notes, which are his practice decisions in cyber and political risk.

The practice decisions

  1. Note no. 1The server is in Warsawpolitical riskYes if four documents arrive before inception, including a tested backup held outside Warsaw; declined if one is missingPublished 27 September 2026Review due 27 March 2027
  2. Note no. 2The update depends on two StatescyberYes if the insured proves it can leave its Russian antivirus within 90 days; declined without a tested exit planPublished 2 October 2026Review due 4 April 2027
  3. Note no. 3The nail is gonefine artYes on 186 million euros of works if every loan states before departure where it returns and who gets paid; otherwise only the 132 million whose return is writtenPublished 5 October 2026Review due 11 October 2027
  4. Note no. 4Decided, to be published on 19 October 2026
All notes →

Today

At Neuflize OBC, he has worked since August 2026, on a work-study contract, in business management for insurance broking (artificial intelligence and processes), reporting to the head of broking. He is redesigning contract administration, workflow and front-office processes, and putting generative artificial intelligence to work. He builds the performance indicators and management reports, and sits on committees with partner insurers.

Education

  • Université Paris 1 Panthéon-Sorbonne: master's in Money, Banking, Finance and Insurance, SAFIR track (2026-2027).
  • Université Paris 1 Panthéon-Sorbonne: master's in economic and social sciences (2025-2026).
  • University of Pennsylvania: Graduate Certificates, Business Economics & Public Policy (2025-2027).
  • University of Virginia: Graduate Certificates (Executive Track), Digital Innovation (2024-2025).
  • Nancy Faculty of Law, Economics and Management: Dual Bachelor's Degree in Law and Economics (2024-2025).
  • ICES: Dual Bachelor's Degree in History and Political Science (2021-2024).

Writing

La Revue [DEMOS]: deputy editor-in-chief for France; writer on France and Europe (March to September 2025).

Commitments

  • Chair of the Economic Affairs committee of Lorraine Junior Conseil, since July 2026.
  • President of the ICES student union (2023-2024).

Languages

French; English C2 (EF SET, 78/100), including professional insurance English; Spanish, German, Polish and Italian.

Where he comes from

Originally from Reims, he grew up in Muizon. He went to the Raymond-Sirot secondary school in Gueux; in 2018 he was a pupil in Sweden at the Ölyckeskolan in Löberöd, a UNESCO associated school. He then entered the Marc-Chagall high school in Reims, where he chaired the student council (Maison des lycéens) and passed the baccalauréat with honours, majoring in economic and social sciences and in history, geography, geopolitics and political science.