Written & reviewed by a licensed insurance professional — WJB Services, Inc. dba Bollinsure Insurance Services · CA DOI License #6013787
INDEPENDENT MARKET ACCESS

Cyber Liability Carriers We Shop

30 cyber carrier and program markets — matched to your industry, security posture, and risk profile.

30admitted & E&S cyber markets available
CARRIER PANEL

Our Cyber Insurance Market Panel

We're not tied to any single carrier. Your preliminary indication is just the opening move — from there we shop a deep bench of top-rated standard, specialty, and E&S cyber carriers to find the appetite, terms, and price that fit your business. All pricing indications are preliminary estimates subject to underwriting, carrier eligibility, market appetite, and policy terms.
Coalition
AM Best A-

Tech-forward insurer bundling active security monitoring and attack surface scanning with every policy. Known for fast SMB quoting and strong incident response capabilities.

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At-Bay
AM Best A-

Insurtech carrier using real-time threat intelligence to underwrite and price cyber risk. Strong for technology companies and businesses with complex digital infrastructure.

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Cowbell
AM Best A-

AI-driven underwriting platform with continuous risk assessment. Particularly competitive for small and mid-size businesses with dynamic security postures.

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Corvus
Specialty

Smart cyber insurance with proprietary scanning technology and policyholder risk reports. Well-suited for professional services and financial institutions.

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Beazley
AM Best A

Lloyd's-backed specialty carrier with deep cyber expertise and a dedicated breach response team. One of the most experienced cyber insurers in the market.

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CNA
AM Best A+

Large admitted carrier with broad appetite across industries. Strong for mid-to-large businesses seeking admitted paper with robust limits.

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AIG CyberEdge
AM Best A

One of the original cyber insurance carriers with global capacity and strong incident response resources. Competitive for complex, multinational risks.

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Chubb / Westchester
AM Best A++

World's largest publicly traded P&C insurer. Westchester (Chubb's E&S arm) handles specialty and harder-to-place cyber risks with strong financial backing.

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Travelers
AM Best A++

Large admitted carrier with established cyber practice and broad appetite. Strong for businesses seeking admitted coverage with stable long-term carrier relationships.

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The Hartford
AM Best A+

Competitive admitted market, especially for small and mid-size businesses. Known for clear policy language and accessible claims handling.

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Berkley
AM Best A+

Specialty-focused subsidiary with niche programs for professional services, healthcare, and technology firms.

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Resilience
Specialty

Next-generation cyber insurer combining insurance with security services. Requires security assessment; rewards strong controls with better terms.

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Munich Re
AM Best A+

Global reinsurer with direct cyber capacity for larger and more complex risks. Strong for multinational businesses and higher limits.

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Tokio Marine HCC
AM Best A++

Highly rated specialty insurer with competitive cyber products for SMB through mid-market.

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AXIS
AM Best A+

Specialty and reinsurance carrier with strong cyber practice. Competitive for professional services, financial institutions, and technology firms.

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USLI
AM Best A++

Specialty admitted carrier with competitive programs for small businesses and professional services.

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Hiscox
AM Best A

One of the largest SMB cyber insurers globally, with Lloyd's backing and a streamlined digital quoting platform. Known for competitive pricing and clear policy language for small and mid-size businesses.

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AXA XL
AM Best A+

Formed from the merger of AXA and XL Group — one of the world's largest specialty cyber markets. Strong for complex mid-market and enterprise risks requiring high limits and global coordination.

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Liberty Mutual
AM Best A

One of the five largest US property & casualty insurers. Admitted cyber market with broad appetite for commercial accounts and strong claims infrastructure across all 50 states.

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Zurich North America
AM Best AA-

Global insurer with enterprise-grade cyber capacity and deep risk engineering resources. Preferred by larger organizations requiring high limits, multinational coverage, and robust incident response services.

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Markel
AM Best A

Specialty carrier with a growing cyber practice through both admitted and E&S markets. Strong for hard-to-place risks, professional services, and businesses in industries with elevated cyber exposure.

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Nationwide
AM Best A+

Major admitted carrier with competitive cyber programs for small and mid-size businesses. Strong brand recognition and accessible admitted paper for businesses requiring standard market placement.

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Allied World
AM Best A

Fairfax Financial subsidiary with specialty cyber expertise across admitted and E&S markets. Known for broad appetite, flexible underwriting, and deep specialty lines experience in complex cyber risks.

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Sompo International
AM Best A+

Japanese-backed global specialty insurer with a growing US cyber practice. Competitive for mid-market accounts and businesses seeking a financially strong admitted or E&S alternative to standard markets.

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Crum & Forster
AM Best A

Fairfax Financial subsidiary with admitted cyber programs for small and mid-size businesses. Competitive for accounts that other admitted markets decline, with flexible underwriting through specialty lines divisions.

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Philadelphia Insurance
AM Best A++

Tokio Marine subsidiary rated Superior by AM Best. Consistently competitive for professional services, nonprofits, and specialty industry segments — with admitted paper and broad coverage forms.

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Starr Companies
AM Best A

Specialty insurer founded by Hank Greenberg with global cyber capacity. Strong for complex risks and high-limit programs where standard markets have limited appetite. Admitted and E&S options available.

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Everest Insurance
AM Best A+

Growing US cyber market with both treaty reinsurance and direct insurance capacity. Strong for accounts that need high limits or where primary markets are fully utilized. Competitive on middle-market accounts.

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Arch Insurance
AM Best A+

Major specialty carrier with dedicated cyber underwriting teams across admitted and E&S platforms. Competitive for technology companies, financial institutions, and businesses with complex vendor ecosystems.

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CFC Underwriting
Lloyd's

London-based MGA and one of the world's largest dedicated cyber insurers. CFC writes US cyber through Lloyd's syndicates with in-house threat intelligence, claims, and incident response. Particularly strong for complex SMB and mid-market cyber risks.

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OUR PROCESS

How We Match You to the Right Carrier

Not every carrier is right for every business. Here's how we narrow from 30 markets to the right fit.

1
Review Your Security Posture & Data Profile

We look at your MFA deployment, backup posture, EDR coverage, data types (PHI, PCI, PII), and revenue — the same inputs underwriters use to assess risk. This tells us where you'll get the best terms.

2
Identify Carriers with the Right Appetite

Every carrier has preferred industries, limit ranges, and risk profiles. We match your profile to carriers that actively want your type of business — avoiding markets likely to surcharge or decline.

3
Present Preliminary Indications with Coverage Notes

We bring you preliminary pricing indications alongside coverage comparisons — not just a number. Sublimits, exclusions, and policy form differences are surfaced so you can make an informed decision. All indications subject to underwriting and carrier eligibility.

Get a Cyber Liability Indication

We'll shop the right carriers for your industry and risk profile. Preliminary pricing indications subject to underwriting, carrier eligibility, market appetite, and policy terms.

Get my preliminary indication →
How to use this hub

Use Cyber Liability Carriers We Shop as a decision map, not just a directory

This hub is meant to help a buyer compare cyber insurance with context. Each carrier page should answer what the exposure is, which coverage details matter, what underwriting information is needed, and where a proposal can look stronger than it really is because of sublimits, exclusions, or claim conditions.

The best cyber placement process starts broad, then gets specific. First identify the likely claim scenarios, then compare markets, limits, retentions, sublimits, and response resources. That makes the hub useful for both quick orientation and a deeper quote review.

Use the hub to decide which pages deserve a closer read before a quote is requested. The practical goal is simple: make sure the buyer understands exposure, market fit, and coverage tradeoffs before price becomes the only decision point.

Start with exposure

Identify data, systems, payment workflows, vendors, contract requirements, and downtime tolerance before comparing quotes.

Then compare terms

Review breach response, ransomware, restoration, business interruption, dependent systems, cybercrime, privacy liability, and regulatory defense.

Then choose markets

A fast quote is useful, but the final recommendation should also consider carrier appetite, claim resources, financial strength, state availability, and final forms.

Questions this hub should answer
What could go wrong?
Ransomware, business email compromise, privacy breach, vendor outage, system failure, regulatory inquiry, or customer allegation.
What pays?
The answer may involve first-party cyber, third-party liability, cybercrime, tech E&O, professional liability, property, crime, or general liability.
How much is enough?
Limit selection should consider response costs, lost income, fraud exposure, record count, contracts, and the insured's tolerance for retained risk.
What needs improvement?
MFA, backups, endpoint protection, patching, vendor access, payment verification, incident-response planning, and documentation often drive underwriting.
Review discipline

What we document for Cyber Liability Carriers We Shop

A complete cyber recommendation should leave a clean trail: why the limit was selected, which markets were compared, what controls affected eligibility, which sublimits were accepted, and what the insured should improve before renewal. That record matters because cyber claims are operational events, not just insurance paperwork.

We also separate what is known from what still needs underwriting confirmation. Carrier appetite, rating, issuing paper, state availability, subjectivities, taxes, fees, and final forms can change before binding. The buyer should understand those moving parts before treating any indication as final.