By Ryan Windt | Head of Growth Marketing | Updated September 2026 If your website runs an advertising pixel, a chat widget, session-replay software, or almost any third-party analytics tag, you are sitting inside one of the most active areas of privacy litigation in the country. A 1967 California wiretapping statute, written for telephone eavesdropping, […]

By Ryan Windt | Head of Growth Marketing | Updated September 2026 For years, AI risk was covered by accident. If an AI tool your business used caused a loss, your cyber or technology errors and omissions policy would often respond, not because it named AI, but because it did not exclude it. That quiet, […]

By Ryan Windt | Head of Growth Marketing | Updated September 2026 A sublimit is the quiet line in a cyber policy that decides how much you actually collect after a loss. Your policy might show a $3 million aggregate limit, but a ransomware or cybercrime sublimit buried in an endorsement can cap the payout […]

By Ryan Windt | Head of Growth Marketing | Updated September 2026 Every cyber insurance application starts from the same baseline of controls, but what an underwriter expects from a hospital is not what they expect from a retailer or a law firm. The difference comes down to the data you hold, the regulations that […]

By Ryan Windt | Head of Growth Marketing | Updated September 2026 A business logs in one morning to find several hundred thousand dollars gone, moved out through a series of transfers nobody at the company authorized. The credentials were stolen weeks earlier through a phishing email, and an attacker used them to initiate payments […]

By Ryan Windt | Head of Growth Marketing | Updated August 2026 Most banks carry two very different insurance products that both, on paper, seem to deal with fraud and theft: a financial institution bond and a cyber insurance policy. The bond has been the backbone of bank crime protection for the better part of […]

By Ryan Windt | Head of Growth Marketing | Updated July 2026 If your employees clock in with a fingerprint, or your store uses facial recognition, or you collect a voiceprint anywhere in your operations, you are touching one of the fastest-moving areas of privacy litigation in the country. A single Illinois statute has generated […]

By Ryan Windt | Head of Growth Marketing | Updated June 2026 Most guidance on cyber insurance underwriting treats the application like a checklist. Turn on MFA, deploy EDR, keep backups, write an incident response plan, and you pass. The checklist is real, and you can read what underwriters verify in our breakdown of the security […]

By Ryan Windt | Head of Growth Marketing | Updated June 2026 Most cyber insurance pricing answers start and end with “it depends.” That is true, but it is not useful when you are trying to budget for coverage or sanity-check what you already pay. This page gives you a real number to work from. […]

By Ryan Windt | Head of Growth Marketing | Updated August 2026 Most businesses think about a cyberattack as something that happens to their data. The records get stolen, the systems get locked, the operation grinds to a halt for a while, and then it comes back. What far fewer businesses plan for is the […]

By Ryan Windt | Head of Growth Marketing | Updated June 2026 The Cyber Incident Reporting for Critical Infrastructure Act is now law, and its reporting timelines are not suggestions. When CISA’s final rules take effect, covered entities that experience a significant cyber incident will have 72 hours to report it to the federal government. […]

By Ryan Windt | Head of Growth Marketing | Updated June 2026 When a ransomware attack hits and the question of whether to pay becomes real, most businesses assume the decision is theirs to make. That assumption is often wrong. Cyber insurance policies contain a consent to settle clause that governs who has the authority […]

By Ryan Windt | Head of Growth Marketing | Updated August 2026 When a ransomware attack encrypts your systems or a cyber incident takes your operations offline, the financial damage doesn’t stop at remediation costs. Every hour your business can’t operate is revenue you won’t recover. Payroll continues. Rent continues. Contracts have deadlines. Customers go […]

By Ryan Windt | Head of Growth Marketing | Updated June 2026 Switching cyber insurance carriers is not the same as switching your auto insurance. You can move your car policy at renewal with minimal risk because auto insurance is written on an occurrence basis: what matters is which policy was in force when the […]

By Ryan Windt | Head of Growth Marketing | Updated June 2026 A cyber insurance broker is a licensed professional who represents your interests in the insurance market, not the carrier’s. They access multiple cyber insurance markets on your behalf, present your risk to underwriters, negotiate coverage terms, and make sure the policy you bind […]

By Ryan Windt | Head of Growth Marketing | Updated September 2026 Most of the conversation about AI and insurance has focused on tech companies: the developers building AI products, the platforms deploying models at scale, the vendors whose software makes recommendations that affect client outcomes. For those businesses, the coverage question runs through Technology Errors […]