| Feature | Commercial General Liability (CGL) | Cyber Privacy Liability |
|---|---|---|
| Covers bodily injury/property damage | Yes | No |
| Covers wrongful collection of data | No (excluded by most ISO forms) | Yes |
| Responds to BIPA claims | Typically excluded or sublimited | Yes, if biometric coverage is included |
| Covers regulatory defense | No | Yes, under most forms |
| Covers class action defense costs | Only for covered claims (rare for privacy) | Yes, subject to policy terms |
| Duty to defend vs. duty to reimburse | Duty to defend (standard) | Varies by form: check your policy |
A mid-market SaaS company invests $2 million in a structured note promising principal protection, only to discover during a market downturn that the protection was contingent on the issuing bank's solvency, not an insurance policy. The loss hits the balance sheet, and nobody reviewed the counterparty risk before the money moved. This scenario plays out more often than most CFOs expect, and it exposes a fundamental misunderstanding about how capital protection actually works, what triggers a payout, and where insurance fits into the picture. Understanding the full mechanics of principal protection structures, downside triggers, investment loss cover, counterparty requirements, and recovery conditions is not optional for companies placing significant capital at risk. US structured note issuance reached $138.5 billion in 2025, nearly doubling the volume seen in 2021. With that growth comes a parallel rise in exposure, and a growing need for commercial buyers to understand what protects their principal and what does not.
Understanding Capital Protection Insurance Fundamentals
Capital protection insurance is a specialized coverage structure designed to indemnify an investor or policyholder against the loss of their original invested principal under defined conditions. It is not a blanket guarantee that your money will come back. The policy form specifies exactly which loss events are covered, which counterparties must be involved, and what documentation you need to file a valid claim.
For small and mid-market companies, the distinction matters because capital protection is often conflated with the marketing language used by structured product issuers. A "principal-protected note" and an insurance policy that covers principal loss are two fundamentally different instruments, governed by different regulatory frameworks and backed by different types of reserves.
How Principal Protection Structures Function
Principal protection structures typically work by splitting an investment into two components: a zero-coupon bond that matures at the original investment amount, and a derivatives overlay that provides upside exposure. The bond component is what "protects" the principal, but that protection is only as strong as the issuer's ability to pay at maturity.
Insurance-based protection adds a separate layer. A policy form may respond to a covered loss by paying the difference between your invested principal and the recovery amount after a qualifying event. The trigger, the counterparty, and the conditions of recovery are all spelled out in the insuring agreement, not in marketing materials. This is where form-level review becomes critical: a specialist like Bloc Cyber reads the actual policy language to identify where the coverage grant stops and what gaps remain before a claim surfaces.
The Difference Between Insurance and Financial Guarantees
A financial guarantee is a contractual promise from one party (usually a bank or issuer) to make a payment if the primary obligor defaults. An insurance policy is a risk-transfer mechanism regulated by state insurance departments, backed by statutory reserves and subject to claims-paying ability ratings.
The practical difference for your company is this: if the guarantor fails, the guarantee fails with it. If your insurer fails, state guaranty funds may provide partial recovery, and the insurer's reserves are segregated from its general business operations. These are not interchangeable protections, and treating them as equivalent is a common mistake among first-time buyers of structured products.
By: Caden Braly
Founder of Bloc Cyber Insurance
INDEX
Bloc Cyber and Its Licensed Producers Are Authorized to Place Cyber Coverage in All 50 U.S. States and The District of Columbia.
Cyber liability insurance covers the financial losses your business faces after a cyberattack or data breach. This page explains what the coverage includes, who needs it, what it costs, and how Bloc Cyber helps you get protected fast.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
This comparison underscores why relying on a single policy form without reading the endorsements creates dangerous gaps. A thorough form-level review, the kind Bloc Cyber performs before placement, identifies whether your social engineering sublimit actually matches your average outbound wire size.
This comparison underscores why relying on a single policy form without reading the endorsements creates dangerous gaps. A thorough form-level review, the kind Bloc Cyber performs before placement, identifies whether your social engineering sublimit actually matches your average outbound wire size.
Downside Triggers and Investment Loss Coverage
Not every market decline activates a capital protection policy. The policy form defines specific downside triggers, which are the conditions that must be met before a claim becomes payable. Understanding these triggers is the difference between holding a policy that pays and holding one that sits idle during the exact scenario you feared.
Identifying Covered Loss Events
Covered loss events vary by policy but generally fall into categories: issuer default, credit event, breach of a defined barrier level, or total loss of principal due to fraud. Each of these has specific documentation requirements and proof thresholds.
A credit event, for example, might require a formal declaration of default by a recognized credit rating agency or a bankruptcy filing. A barrier breach might require that the underlying reference asset has fallen below a specified percentage of its initial value at a specific observation date, not just intraday. The difference between buffer and barrier structures determines whether you absorb the first portion of losses or face a cliff-edge exposure once a threshold is crossed.
Market Volatility vs. Total Default Triggers
Market volatility alone does not typically trigger a capital protection claim. If your structured note drops 30% in value but the issuer remains solvent and the observation date has not arrived, you likely have no covered loss yet. The policy responds to realized, crystallized losses, not paper declines.
Total default triggers are different. If the issuing counterparty enters insolvency or fails to meet its payment obligation at maturity, the loss is realized and the claim process begins. Some policies also cover partial defaults, where the issuer pays back only a fraction of the principal. Your policy's definition of "loss" will control everything here, which is why reading the actual insuring agreement, not the summary, matters.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
| Coverage Element | Standard Policy | Comprehensive Policy |
|---|---|---|
| Ransom Payment Sublimit | $100,000 - $250,000 | Full policy limit |
| Negotiation Services | Panel vendor only | Choice of vendor with pre-approval |
| Sanctions Screening | Included | Included with legal counsel |
| Data Restoration | Subject to separate sublimit | Included in aggregate limit |
| System Rebuild | Limited to like-kind replacement | Includes upgrades if required by regulation |
| Business Interruption Waiting Period | 12 - 24 hours | 6 - 8 hours |
| Dependent Business Interruption | Excluded | Included with sublimit |
Internal Threats: When Employee Information is Compromised
Employee data exposure is often overlooked in privacy liability planning. Your HR systems hold Social Security numbers, direct deposit information, health records, and sometimes biometric data. A breach of employee records triggers notification obligations under state law and can generate lawsuits from your own workforce.
Insider threats, whether from a disgruntled employee exfiltrating data or a payroll vendor suffering a breach, create exposure that sits at the intersection of cyber liability and employment practices liability. Not every cyber form covers claims brought by employees: some policies contain an "insured vs. insured" exclusion that bars coverage when the claimant is also an employee. This is a gap that must be identified during the placement process, not discovered during a claim.
Counterparty Requirements and Risk Mitigation
Every capital protection structure involves at least two counterparties: the entity that issued the investment product and the entity providing the protection. If either one fails, your recovery path narrows. Counterparty risk is not theoretical; it is the single largest variable in whether your protection actually works.
Vetting the Creditworthiness of the Insurer
The insurer's claims-paying ability rating is your first checkpoint. Ratings from AM Best, S&P, and Moody's provide a baseline, but they are not the full picture. You should also review the insurer's surplus, loss reserves, and concentration of risk in similar capital protection products.
For mid-market companies, this vetting process often gets skipped because the broker handles placement. That is a mistake. The growth of private credit and alternative investment structures has introduced new insurers and new policy forms into the market, and not all of them carry the same financial strength. Ask your broker for the insurer's financial statements, not just a rating letter.
Collateralization and Reserve Requirements
Some capital protection policies require the insurer to post collateral or maintain dedicated reserves against the covered exposure. This is more common in bespoke or high-value placements than in standard commercial policies.
Collateralization reduces your counterparty risk because the assets backing your claim are segregated. Reserve requirements, set by state insurance regulators, ensure that the insurer maintains a minimum level of assets relative to its outstanding obligations. Neither of these protections is automatic; they depend on the policy structure and the regulatory jurisdiction. A firm like Bloc Cyber, which focuses exclusively on reviewing policy forms at the insuring-agreement level, can identify whether your specific placement includes these provisions or leaves you exposed.
Does my general liability policy cover invoice fraud? No. General liability responds to bodily injury and property damage claims, not financial losses from social engineering. You need a crime policy endorsement or a cyber liability policy with funds transfer fraud coverage.
What if my vendor's email was hacked, not mine? Many cyber forms still respond because the loss resulted from a social engineering attack directed at your employee. The key is whether the policy requires the compromise to originate from your own systems or simply requires that your employee was deceived into transferring funds.
Will the carrier pay if my team did not follow callback procedures? Possibly not. Callback verification is a common policy condition. If your form requires a phone call to a pre-established number before changing wire instructions and your team skipped it, the carrier has grounds to deny the claim.
Are there waiting periods for funds transfer fraud? Some forms impose a waiting period, typically 8 to 24 hours, before coverage attaches. This gives banks time to process recall requests. Ask your broker to confirm whether a waiting period applies to your form.
How much coverage do I need? Look at your largest single outbound payment over the past 12 months. Your sublimit should at least match that figure. A $100,000 sublimit is inadequate if you routinely wire $500,000 to a single vendor.
Can I buy standalone invoice fraud coverage? Standalone social engineering policies exist but are uncommon. Most buyers obtain this coverage through a cyber liability policy or a crime policy endorsement. The cyber route typically offers broader terms and higher sublimits.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
| Coverage Element | Commercial General Liability | Cyber Insurance |
|---|---|---|
| Data breach notification costs | Not covered | Covered under first-party |
| Ransomware payment | Not covered | Covered (subject to sublimit) |
| Regulatory defense | Not covered | Covered under third-party |
| Business interruption from cyberattack | Not covered | Covered with waiting period |
| Funds transfer fraud | Not covered | Covered via cyber crime endorsement |
| Third-party lawsuit over data loss | Excluded or severely limited | Covered under third-party liability |
| Technology product failure | Not covered | Covered under Tech E&O |
Carriers view social engineering as a high-frequency, controllable-risk exposure. Unlike a data breach that may involve millions of records, a wire fraud loss is often the result of a single procedural failure. Insurers price and limit accordingly. A company with a $1 million crime policy might carry only $250,000 in social engineering coverage. If a single BEC attack costs $400,000, the policy pays $250,000 and the insured absorbs the rest. Some endorsements also apply co-insurance, meaning the carrier pays only 50% or 75% of the loss up to the sublimit. On a $250,000 sublimit with 50% co-insurance, your maximum recovery is $125,000.
Why Social Engineering Limits are Lower Than Policy Aggregate
Social engineering losses are almost always first-party: your company sent money to a criminal. The loss belongs to you, not to a customer or third party filing a claim against you. This distinction matters because third-party liability coverage on a cyber form will not respond. You need a first-party coverage grant, either within a crime policy or as a standalone endorsement, that explicitly names social engineering or fraudulent impersonation as a covered peril.
The Importance of First-Party vs. Third-Party Loss
Recovery Conditions and Claim Procedures
Filing a capital protection claim is not like filing a standard property or liability claim. The documentation requirements are more complex, the timelines are often longer, and the recovery process may involve multiple parties.
Proving a Loss: Documentation and Timelines
You will need to demonstrate that a covered loss event occurred, that you held the investment at the time of the event, and that the loss amount matches your claim. This typically requires account statements, trade confirmations, issuer default notices, and sometimes independent valuations.
Timelines vary by policy, but most forms require notice of loss within 30 to 90 days of the triggering event. Late notice can void your claim entirely. Keep a file with every document related to your investment from the day you purchase it, not from the day you suspect a loss.
The Role of Subrogation in Capital Recovery
Subrogation allows the insurer, after paying your claim, to step into your shoes and pursue recovery from the defaulting counterparty. This matters because it can affect your net recovery and your ongoing obligations.
If the insurer recovers funds from the defaulting issuer through subrogation, you may be entitled to a portion of that recovery (minus the insurer's costs), depending on your policy terms. You are also typically required to cooperate with the insurer's recovery efforts, which means preserving documents and potentially participating in legal proceedings. Understanding how structured investment protections interact with subrogation rights is essential before you sign the policy, not after a loss.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
Comparing Protection Tiers
Not all capital protection is created equal. The level of coverage you receive depends on whether you are protecting your original principal only or also protecting expected performance returns.
Comparison Table: Principal vs. Performance Protection
| Feature | Principal Protection | Performance Protection |
|---|---|---|
| What is covered | Original invested amount only | Principal plus accrued or expected returns |
| Typical premium cost | Lower | Significantly higher |
| Trigger type | Issuer default or barrier breach | Underperformance relative to benchmark |
| Common structures | Zero-coupon bond + derivatives overlay | Total return swap with insurance wrap |
| Recovery ceiling | 100% of principal | Principal plus contractual return cap |
| Counterparty risk | Moderate (single issuer) | Higher (multiple counterparties) |
| Availability | Widely available for qualified investors | Limited to institutional or high-net-worth placements |
Most small and mid-market companies will find principal-only protection more accessible and more cost-effective. Performance protection exists but carries higher premiums and more complex claim conditions.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
| Coverage Element | Commercial General Liability | Cyber Insurance |
|---|---|---|
| Data breach notification costs | Not covered | Covered under first-party |
| Ransomware payment | Not covered | Covered (subject to sublimit) |
| Regulatory defense | Not covered | Covered under third-party |
| Business interruption from cyberattack | Not covered | Covered with waiting period |
| Funds transfer fraud | Not covered | Covered via cyber crime endorsement |
| Third-party lawsuit over data loss | Excluded or severely limited | Covered under third-party liability |
| Technology product failure | Not covered | Covered under Tech E&O |
It depends on your policy. Many standard policies require a specific "Cyber Crime" endorsement to cover losses from being tricked into sending money to a fraudster.
Does cyber insurance cover social engineering scams?
Is deepfake fraud covered under standard impersonation terms?
It depends entirely on the policy language. Many forms written before 2024 reference only email or written communication. If the endorsement does not explicitly include voice or video impersonation, a deepfake-based claim may fall outside the coverage grant. Ask your broker to confirm the form addresses synthetic media.
Common Questions About Protecting Your Assets
Does my standard commercial insurance policy cover investment losses? No. General liability, property, and even most professional liability policies exclude investment losses. You need a dedicated capital protection policy or a financial guarantee to cover principal loss.
Can I buy capital protection insurance after I have already made the investment? Some insurers will underwrite existing positions, but premiums will be higher and exclusions may be broader. Purchasing protection before or at the time of investment is standard practice.
What happens if the insurer and the issuer both fail? Your recovery depends on state guaranty fund limits and any collateral posted under the policy. Dual failure is rare but not impossible, which is why counterparty diversification matters.
Is capital protection insurance regulated? Yes. It is regulated by state insurance departments, and the insurer must be licensed or surplus-lines eligible in the state where the policyholder is domiciled.
How long does a claim take to resolve? Most claims take 90 to 180 days from notice to payment, assuming documentation is complete. Complex claims involving subrogation or disputed loss amounts can take longer.
We start with a twenty-minute call to walk through your contracts, your draw process, your tech stack, and the last twelve months of attempted fraud. From there we go to market with ten-plus carriers, benchmark terms side-by-side, and present the options in plain language with recommended limits and retentions. Most intakes get indicative terms within one business day.
Making the Right Choice for Your Portfolio
Capital protection insurance is a specialized tool, not a default purchase. It makes sense when you are placing significant capital into structured products, private credit, or other instruments where counterparty default could impair your principal. It does not make sense as a substitute for proper due diligence on the investment itself.
The key question is whether the cost of the premium justifies the risk you are transferring. For a company with $500,000 or more in a single structured note, the answer is often yes, particularly if the issuer's credit rating sits below AA. For smaller positions in diversified portfolios, the math may not work.
Before you commit to any protection structure, have the policy form reviewed line by line. If you are evaluating capital protection alongside your broader risk management strategy, request a review with a specialist who can walk through the insuring agreements, identify coverage gaps, and confirm that the protection you are paying for will actually respond when you need it.
ABOUT THE AUTHOR
Caden Braly
— Founder, Bloc Cyber
I'm Caden Braly, founder of Bloc Cyber, the specialty cyber insurance arm of Braly Insurance. I built Bloc Cyber around one idea: businesses deserve coverage that actually responds when a cyberattack happens. I work closely with clients to understand their exposure, place the right policy through specialty carriers, and stand with them through the claim. My goal is simple — give every business straight answers and protection they can trust.
Full profile → caden@bloccyber.com LinkedIn
Industries We Protect
Cyber Coverage Built for Your Industry
Every industry faces a different cyber threat, from patient records in healthcare to wire fraud in construction. Bloc Cyber matches coverage to the risks your sector actually faces, drawing on specialty carriers that understand your business. Find your industry below to see how we protect it.
Healthcare
Banking
Retail / E-Commerce
Legal
Technology / SaaS
Education
Energy / Utilities
Manufacturing
Construction
Defense
Healthcare
HIPAA-grade protection for patient data
725
healthcare breaches disclosed in 2024
HIPAA-grade protection for patient data
▣ Ransomware on EHR systems
▣ PHI exfiltration
▣ Medical device exploits
▣ Business email compromise
Sub-sectors we place
Hospitals and health systems
Physician practices and specialty clinics
Dental practices and DSOs
Behavioral health and addiction treatment centers
Medical billing and revenue cycle management firms
Typical turnaround for indication of terms: 1 business day.
Banking
Coverage that meets FFIEC and NYDFS expectations
$5.9M
average cost of a financial sector breach
Common threats we underwrite against
▣ Wire fraud and BEC
▣ Credential stuffing
▣ Third-party vendor risk
▣ Ransomware
Sub-sectors we place
Community banks
Credit unions
Mortgage lenders and loan originators
Wealth management and RIAs
Payment processors and merchant acquirers
Typical turnaround for indication of terms: 1 business day.
Retail / E-Commerce
PCI-DSS aligned coverage for every checkout
42%
of retailers hit by ransomware in the last year
Common threats we underwrite against
▣ Magecart / card skimming
▣ POS malware
▣ Account takeover
▣ Supply-chain intrusion
Sub-sectors we place
Direct-to-consumer (DTC) brands
Shopify and marketplace sellers
Brick-and-mortar multi-location retailers
Restaurants and QSR franchises
Grocery and specialty food retail
Typical turnaround for indication of terms: 1 business day.
Legal
Privilege, client files, and trust-account safeguards
1 in 4
law firms reported a breach in 2024
Common threats we underwrite against
▣ Wire-transfer fraud
▣ Privileged data theft
▣ Email account compromise
▣ Ransomware
Sub-sectors we place
AmLaw / large firms
Boutique litigation firms
Personal injury and plaintiffs’ firms
Estate planning and trust attorneys
Title and real estate closing firms
Typical turnaround for indication of terms: 1 business day.
Technology / SaaS
SOC 2 and ISO-aligned risk transfer
$4.88M
avg. cost of a SaaS breach in 2024
Common threats we underwrite against
▣ Supply-chain attacks
▣ Cloud misconfiguration
▣ Token and key theft
▣ Zero-day exploits
Sub-sectors we place
B2B SaaS platforms
Managed service providers (MSPs) and MSSPs
Fintech startups
AI and machine learning companies
Cloud hosting and infrastructure providers
Typical turnaround for indication of terms: 1 business day.
Education
FERPA-aligned coverage for student and research data
80%
of K–12 districts hit by ransomware since 2022
Common threats we underwrite against
▣ Ransomware on district networks
▣ Student PII theft
▣ Fake invoice fraud
▣ DDoS on exam platforms
Sub-sectors we place
K-12 public school districts
Private and charter schools
Colleges and universities
EdTech platforms
Tutoring, test prep, and online learning providers
Typical turnaround for indication of terms: 1 business day.
Energy / Utilities
OT and IT coverage for critical infrastructure
24/7
operational-tech monitoring requirements
Common threats we underwrite against
▣ ICS/SCADA intrusion
▣ Nation-state actors
▣ Ransomware on OT
▣ Insider threat
Sub-sectors we place
Municipal utilities (water, electric, gas)
Oil and gas operators
Pipeline and midstream companies
Renewable energy (solar, wind) developers
Electric cooperatives and rural utilities
Typical turnaround for indication of terms: 1 business day.
Manufacturing
Business interruption protection for connected plants
25%
of all ransomware attacks target manufacturing
Common threats we underwrite against
▣ Ransomware halting production
▣ IP theft
▣ ICS exploits
▣ Vendor compromise
Sub-sectors we place
Industrial and heavy equipment manufacturers
Food and beverage processing
Pharmaceutical and medical device manufacturers
Automotive and parts suppliers
Aerospace component manufacturers
Typical turnaround for indication of terms: 1 business day.
Construction
Protection for project files, wires, and jobsite tech
$200K+
average wire-fraud loss in construction
Common threats we underwrite against
▣ Wire-transfer diversion
▣ BEC on project payments
▣ Stolen bid data
▣ Ransomware
Sub-sectors we place
General contractors
Commercial HVAC, electrical, and plumbing subs
Civil and infrastructure contractors
Homebuilders and residential developers
Architecture and engineering (A&E) firms
Typical turnaround for indication of terms: 1 business day.
Defense
CMMC, DFARS, and CUI-compliant risk transfer
CMMC
2.0 compliance required by 2026
Common threats we underwrite against
▣ CUI exfiltration
▣ Nation-state APTs
▣ Supply-chain compromise
▣ Cleared-personnel targeting
Sub-sectors we place
DoD prime contractors
CMMC-regulated subcontractors
Defense software and systems integrators
Aerospace and satellite contractors
Federal IT and cleared staffing firms
Typical turnaround for indication of terms: 1 business day.
The Bloc system
One foundation.
Ten industry-specific builds.
The Bloc mark is built from stackable planes — each one a different angle on the same core structure. That’s how we place coverage: one underwriting discipline, tuned and re-tuned for every industry we serve.
Coverage
A policy you can actually read.
Structured in three clean blocs.
01
First-Party
Your direct losses when an incident hits your business.
✓
Incident response & forensics
✓
Business interruption
✓ Data restoration
✓ Cyber extortion / ransomware
✓ Funds transfer fraud
✓ Reputational harm
02
Third-Party
Your liability to clients, partners, and regulators.
✓
Network security liability
✓
Privacy liability (HIPAA, GDPR, state laws)
✓ Regulatory defense & fines
✓ PCI-DSS fines and assessments
✓ Media liability
✓ Breach notification costs
03
Specialty
Advanced coverages for complex risks and contracts.
✓
Technology E&O
✓
Social engineering fraud
✓ Contingent business interruption
✓ Systems failure
✓ Bricking & hardware replacement
✓ CMMC / regulatory-specific endorsements
Typical limits placed
$1M / $1M starter
$5M / $10M mid-market
$25M+ layered towers
Custom retentions
Common Questions
Cyber Liability Insurance, Explained
What does cyber insurance cover?
Cyber insurance covers the financial losses from a data breach or cyberattack. This includes breach response, legal fees, customer notification, ransomware, business interruption, and regulatory fines, depending on your policy.
Does my business really need cyber insurance?
Yes. Any business that stores customer data, processes payments, or relies on connected systems faces cyber risk. Small and mid-sized companies are frequent targets because they often have fewer defenses.
How much does cyber insurance cost?
Cost depends on your industry, revenue, data volume, and security practices. We market your risk to multiple carriers to find strong coverage at a competitive price. Request a quote for an exact figure.
What is the difference between first-party and third-party cyber coverage?
First-party coverage pays for your own losses, like data recovery and lost income. Third-party coverage pays for claims from others harmed by a breach on your systems.
How fast can I get a quote?
Most clients receive a quote in under 24 hours after we review the details of their business and exposure.
What should I do first after a cyberattack?
Contact us right away. We help you start breach response, connect you with forensic and legal support, and guide your claim so you contain the damage quickly.
Insights
Field notes from the placement desk.
What carriers are asking right now.
Start a quote
Tell us about your business.
We’ll come back with terms.
We’ll review your stack, your contracts, and your exposure — then place the program against the right markets. Most intakes get indicative terms back within one business day.
01
Quick intake
We only ask what the carriers actually need.
02
Benchmark
Side-by-side terms from 10+ specialty cyber carriers.
03
Bind
Plain-language policy review, e-signed and in force.
