By Ryan Windt | Head of Growth Marketing | Updated September 2026 The short answer: a small business with limited sensitive data is usually well-served by a $1 million limit; a small business in a regulated field like healthcare or financial services should look at $1 million to $2 million; and a mid-market company ($10M to […]
Author: Ryan Windt
By Ryan Windt | Head of Growth Marketing | Updated September 2026 The short answer: SaaS companies need a combined cyber and Tech E&O program, because their exposure runs on three fronts at once: the platform itself, the customer data flowing through it, and the contracts that promise both keep working. Generic business insurance rarely covers […]
By Ryan Windt | Head of Growth Marketing | Updated June 2026 Tech companies and SaaS businesses working toward SOC 2 compliance tend to ask a version of the same question at some point: if we have SOC 2, do we still need cyber insurance? The short answer is yes. But the more useful answer […]
By Ryan Windt | Head of Growth Marketing | Updated September 2026 K-12 schools are one of the most targeted sectors in the entire cyber insurance market. The data is not ambiguous about this. The U.S. led the world in education-sector ransomware attacks in 2025 with 130 confirmed and suspected incidents. A RAND Corporation survey […]
By Ryan Windt | Head of Growth Marketing | Updated September 2026 Business email compromise was already the highest-loss cybercrime category in the United States before artificial intelligence entered the picture. The FBI’s 2025 IC3 report put BEC losses at $2.77 billion across more than 21,000 complaints. That number was built largely on old-fashioned social […]
By Ryan Windt | Head of Growth Marketing | Updated June 2026 Most businesses shopping for cyber insurance spend the majority of their time focused on the limit. How much coverage do I have? Is $1 million enough? Should I go to $2 million? Those are legitimate questions. But there is a second number in […]
By Ryan Windt | Head of Growth Marketing | Updated June 2026 Most businesses spend a lot of time thinking about their cyber insurance limits. How much coverage do they need? What does the deductible look like? Is the premium reasonable? Almost nobody thinks about the retroactive date until a claim gets denied because of […]
By Ryan Windt | Head of Growth Marketing | Updated May 2026 Most businesses set up email and never think about it again. The domain works. Mail goes out. Replies come back. That is the entire mental model. It is also why email remains the entry point for the majority of cyber insurance claims filed […]
By Ryan Windt | Head of Growth Marketing | Updated May 2026 If you have filled out a cyber insurance application in the last 12 months, you have seen the credential and access control questions getting longer. Two years ago, underwriters wanted to know if you had MFA on email and remote access. A year […]
By Ryan Windt | Head of Growth Marketing | Updated September 2026 Dental practices collect more sensitive data than most small businesses, and they protect it with less. A typical practice stores full patient health records, Social Security numbers, insurance information, payment card data, and treatment histories across a patchwork of practice management software, digital […]
By Ryan Windt | Head of Growth Marketing | Updated Septembert 2026 You bought a $1 million cyber insurance policy. You had a $400,000 ransomware incident. You filed a claim expecting full reimbursement. Your insurer paid $250,000. Nothing went wrong with your claim. You did not misrepresent anything on your application. Your policy did not […]
By Ryan Windt | Head of Growth Marketing | Updated September 2026 When businesses shop for cyber insurance, most of the conversation focuses on one question: how much coverage do I need? That is the wrong first question. The more important question is: what kind of coverage am I actually buying? Cyber insurance policies are built […]
By Kyle Sawdey | Chief Revenue Officer & EVP of Underwriting | Updated June 2026 The conflict with Iran has been a reminder for businesses across the United States of the potential cyber risk threats. Over the past several weeks, I posted on LinkedIn about the uptick in questions I’ve been fielding from policyholders, brokers, […]
By Ryan Windt | Head of Growth Marketing | Updated June 2026 Most businesses treat a cyber liability insurance application the way they treat a software end-user license agreement. Scroll through it, check the boxes, and move on. It is a form. It will get approved. The policy will show up in email. That approach […]
By Ryan Windt | Head of Growth Marketing | Updated September 2026 Tech E&O insurance (short for Technology Errors and Omissions insurance) covers claims that your technology product or service failed to perform as promised and caused a client financial harm. A bug that corrupts client data, a missed uptime commitment that takes a client […]
By Ryan Windt | Head of Growth Marketing | Updated September 2026 Small businesses are the most targeted segment in cybercrime. Not because attackers have a grudge against small operators, but because small businesses combine three things that make them attractive: real money to steal, sensitive data worth taking, and security postures that are significantly […]