Cyber covers the costs of responding to a security incident and defending claims arising from data, privacy, and network failures. The fastest-evolving and most heavily-underwritten commercial coverage. Controls drive pricing more than revenue does.
Cyber coverage is usually split into first-party (your own costs: forensics, notification, credit monitoring, restoration, business interruption, ransomware payment, extortion) and third-party (claims by data subjects, regulators, payment-card networks, contractual counterparties). Modern forms also address social engineering / funds-transfer fraud, dependent business interruption (when a vendor's outage takes you down), and bricking (when hardware must be replaced because malware has rendered it unrecoverable).
Any company with employee or customer PII has cyber exposure. Most carriers now require multi-factor authentication, endpoint detection, and a backup tested in the last 12 months before they'll quote. Without those controls, expect either non-renewal or material sub-limits.
Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.
Does your cyber policy include a war exclusion that covers state-sponsored attacks. And what's the carrier's published interpretation?
Are MFA, endpoint detection, and tested-backup attestations in place? Most carriers underwrite to all three now.
What sublimits apply to ransomware, social engineering, and dependent business interruption. And which sublimits are inside the aggregate vs. outside?
What's your business-interruption waiting period. 8 hours, 12, or 24. and is your CFO clear on what triggers it?
Every finding includes a kind, a real finding, and where applicable, the consequence. ARIA's actual output also includes the policy page that proves the finding. Once you upload your declarations.
Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.
Illustrative dataset · n=128 mid-market placements · refreshed quarterly
The first gap usually surfaces within twelve seconds of ARIA reading your declarations page.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page