Cyber Risk Intelligence for Insurance Brokers
Risk scoring API. Client cyber posture assessment. Claims reduction.
Underwriting cyber risk requires visibility into your clients' actual security posture — not just a questionnaire. Our Risk Score API and AI agents give you real-time cyber risk data to make better underwriting decisions and reduce claims.
Claims reduction
35%
Average claims reduction with pre-bind scoring
Challenges You Face
Risk assessment based on questionnaires alone
Self-reported security questionnaires are unreliable. Clients overstate their security posture, leading to mispriced risk and higher claims.
Increasing cyber claims frequency
Cyber claims are growing 25% year-on-year. Without better risk selection, loss ratios will continue to deteriorate.
Client cyber posture is invisible
You sell cyber insurance but can't see your clients' actual attack surface, exposed credentials, or compliance gaps.
Differentiating your brokerage
Most brokers sell the same policies at similar prices. Technology-driven risk insights create a genuine competitive advantage.
FAQs
How does the Risk Score API work?
You submit a domain or company identifier. We return a risk score (0-100) based on external attack surface analysis, dark web exposure, and known compliance status.
Can this reduce our loss ratio?
Pre-bind risk scoring is designed to improve risk selection at underwriting — Marsh and Aon market reports cite 20-35% claims reduction across portfolios with disciplined controls-based selection. Broker-specific outcomes depend on book composition and underwriting discipline.
How We Help
- Risk Score API: real-time cyber risk scoring for underwriting decisions
- external attack surface assessment for clients
- compliance posture scoring (NIS2, ISO 27001, Cyber Essentials)
- Dark web monitoring: credential exposure alerts for insured clients
- Pre-bind risk reports: automated security assessments before policy issuance
- Claims prevention: proactive vulnerability alerts to reduce claims
- Portfolio-level risk dashboards for your insurance book
Regulatory Context
- •FCA — Insurance distribution directive requirements
- •Lloyd's — Cyber insurance minimum standards
- •PRA — Prudential regulation of insurers
- •UK GDPR — Client data protection