Practical analysis on cyber insurance, resilience planning, incident response, and compliance.
Cyber Threats & AttacksThe OpenAI incident in July 2026 answered a question many underwriters were hoping to avoid: autonomous AI agents can cause loss events that current cyber policies weren t designed to handle. In this
Premium & Actuarial PricingUnderstanding the Impact of Reinsurance Price Cuts When reinsurance prices drop, your insurance broker might call with news of potential savings. Your CFO sees budget relief, and your underwriter sugg
Claims HandlingThe Conventional Wisdom Business continuity managers often treat smoke as a localized event. You might write a plan for a specific building fire, designate a backup site across town, and assume your i
Premium & Actuarial PricingPurpose of the Template Your underwriting questionnaire is crucial in determining your coverage, premium costs, and the speed of claim processing. Generic cyber questionnaires often overlook the speci
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Premium & Actuarial PricingForrester predicts cyber insurance premiums will grow 15% in 2026, driven largely by AI-related threats. But here s the uncomfortable truth: most organizations responding to this shift are making the
Policy ExclusionsContractors are worried that generative AI exclusions might invalidate their entire commercial insurance program. This fear is understandable given how quickly these exclusions have spread, 2,369 are
Policy ExclusionsScope - What This Guide Covers This guide focuses on non-medical evacuation coverage for adventure travel and high-altitude trekking policies, specifically addressing natural disaster triggers in glac
Cyber Threats & AttacksRansomware isn t just an IT issue. It s a business continuity challenge that involves IT systems. When attackers combine data theft with operational disruption, your incident response plan must addres
Cyber Threats & AttacksPurpose of the Script Windows Mark of the Web (MOTW) tags files downloaded from the internet with metadata that triggers security warnings when opened. When MOTW fails, your endpoint protection loses
Regulatory & Privacy ComplianceA crafted OCSP response can force GnuTLS to accept a revoked server certificate as valid. CVE-2026-3832 exposes a fundamental weakness in how your systems verify certificate status. If your organizati
Underwriting & Risk SelectionYou re facing a choice you didn t expect this year. Your cyber policy is up for renewal, and your broker has presented three fundamentally different paths. The decision isn t about finding the cheapes
Cyber Threats & AttacksWhen an AI agent moves through your network without triggering a conventional security event, will your Stand-Alone Cyber Policy respond? This template helps you audit your policy language for coverag
Coverage TypesUnderstanding the Incidents In July 2024, a routine software update from Crowdstrike caused a global cascade failure. A faulty patch locked systems worldwide, grounding airline fleets, shutting health
Regulatory & Privacy ComplianceWhen the National Association of Insurance Commissioners (NAIC) disclosed a breach in June, the industry s first reaction wasn t panic, it was surprise. Not because a breach happened, but because many
Loss Modeling & AggregationYour underwriting team is evaluating applications from companies relying on AWS, Azure, or Google Cloud for critical operations. The question isn t whether to cover cloud-related business interruption
Systemic Risk & ReinsuranceThe global reinsurance market is currently experiencing abundant capacity and intense competition, as noted by Fitch Ratings . Prices are dropping across most lines, and policy terms are loosening. Fo
Regulatory & Privacy ComplianceWhat Changed Nevada is now the first U.S. state to let insurers exclude wildfire coverage from standard homeowners policies, following the enactment of Assembly Bill 376 on January 1, 2026. Just eight
Regulatory & Privacy ComplianceIf you re carrying a $25 million cyber policy, you might assume it covers a $25 million regulatory penalty. It doesn t. For most programs, the regulatory fine sub-limit sits somewhere between $1 milli
Cyber Threats & AttacksWhen your insurer pays a claim and wants to recover those dollars from the vendor whose failure caused the breach, you d think the path forward would be straightforward. It isn t. The Delaware Supreme
Breach Response ServicesThe Problem with Traditional Recovery When a breach occurs, your team springs into action. Systems go offline, and recovery efforts focus on restoring critical services. After days or weeks of intense
