Which Policy Pays After a Cyber Event?
The Risk Intelligence Report is an independent audit of your cyber, D&O, and fidelity bond policies. Where coverage holds, where it fails, how to fix it.
Policy Interaction Map
Your cyber policy, D&O policy, and fidelity bond were written by different carriers. Nobody reads them together. The Policy Interaction Map shows you which one responds to each incident type, and where none responds.
| Incident | Cyber Policy | Fidelity Bond | D&O Policy |
|---|---|---|---|
| Ransomware Attack | Covered | – | – |
| Wire Transfer Fraud | – | Sublimited with conditions | – |
| Core Vendor Breach | Sublimited | – | – |
| Data Breach – Loss to the Bank | Defense costs erode limit | – | – |
| Data Breach – Claims Against the Board | No board coverage | – | Cyber claims excluded |
What Does a Risk Intelligence Report Include?
One-page summary across seven risk categories. Designed for board review and examination.
The table above, built from your policies with dollar amounts. Shows where carriers point at each other and where the bank holds the loss.
Each policy tested against real incident scenarios, down to the exclusions and conditions that determine whether a claim gets paid.
Specific fixes ranked by exposure, with the language to request at renewal.
Some Coverage Gaps From Recent Bank Audits
Gap: Every D&O policy I reviewed carries a cyber exclusion. Where it reads "arising out of any cyber event," a breach that triggers a regulatory investigation or a lawsuit takes the D&O out of the picture. Narrower wording leaves some director coverage in place. Which one you have is a question nobody asks until the claim.
Impact: The board's defense falls entirely to the cyber policy. Forensics and notification are spending the same limit first, but there is no Side A tower behind them.
Gap: The dependent business interruption sublimits in the banks I recently reviewed ranged from zero to $1M. A multi-day outage of their core processor would exceed their sublimit before recovery begins.
Impact: Potentially seven figures of uninsured exposure. Nobody had tested the limit against actual vendor dependence.
Why Doesn't My Broker Do This?
Your broker compares carriers, negotiates terms, and manages renewals. Reading all three policies together and testing them against loss scenarios is a different job. I read what your broker placed and document the gaps.
How Do I Start?
Share your cyber and D&O policies, and your fidelity bond. I handle the rest.
Line-by-line analysis against real incidents. Every policy read together.
A written report with every finding in dollar terms, plus a 30-minute walkthrough.
At renewal, in the boardroom, or before your next examination.
A Claim Will Test Your Coverage
A Risk Intelligence Report tests it now. Flat fee. No hourly billing. No broker of record letter required.
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