Which of Your Policies Actually Pays After a Cyber Incident?
Cyber insurance. Fidelity bond. D&O. Three carriers, three sets of exclusions, and nobody checking whether they work together.
The Risk Intelligence Report reads all three policies line by line, maps which policy responds to each cyber incident type, and delivers findings in dollar terms with a clear remediation plan. Written in plain English for you, your board, and your examiner.
Three Policies, But Who Pays?
Coverage is the broker's job. Controls are IT's job. Compliance is the risk officer's job. Nobody reads all three policies together.
This map is from actual policy reviews. Carriers and forms vary. The pattern does not.
94% of community bankers rate cybersecurity as their top risk. How many have read the policies that respond to it? Source: CSBS 2025 Annual Survey
Policy Interaction Map — Sample Community Bank
| Incident | Cyber Policy | Fidelity Bond | D&O Policy |
|---|---|---|---|
| Ransomware | Covered | Extortion sublimited | Not applicable |
| Wire fraud | Sublimited ($250K) | Sublimited with conditions | |
| Vendor breach | Covered | No coverage | |
| Data breach | Covered | No coverage | Excluded except investigative costs |
| Board liability after a cyber event | Excluded | Not applicable | Cyber exclusion |
These three policies were never designed to work together, leaving unintentional gaps.
How Coverage Gaps Show Up at Claim Time
Examples from my policy reviews.
$400K wire. Spoofed email.
Cyber excludes social engineering. Bond carries a 50% co-payment.
Breach triggers three proceedings.
D&O excludes cyber-related claims. Cyber excludes board defense. Directors face personal exposure.
Policy requires MFA everywhere.
Your core vendor doesn't support it. Breach happens. Carrier rescinds coverage on warranty grounds.
Find Out Where Your Bank's Coverage Fails
One week from documents to walkthrough. Independent. Fee-based. Examiner-ready.