When You File a Claim, Your Three Carriers Will Not Agree on Who Pays
The Risk Intelligence Report reads your cyber insurance, fidelity bond, and D&O policy together and shows you where coverage holds, where it fails, and what to fix.
Gap: Most D&O policies exclude claims "arising out of" a cyber incident. If a data breach triggers an FDIC enforcement action or shareholder lawsuit, the board has zero D&O coverage. Brokers miss this because they review each policy in isolation.
Impact: Up to $1 million in uninsured board liability. The policy your directors believe protects them will not respond.
Fix: Request removal of the cyber exclusion, or negotiate an exception for regulatory proceedings and shareholder claims at renewal.
A $1B credit union in the Northeast discovered its broker had never offered the social engineering coverages available on its existing policy form.
The coverage was not declined. It was never presented.
Uninsured exposure: up to $1.5 million.
Every Risk Intelligence Report identifies gaps like this, with dollar amounts and specific fixes.
See how these gaps play out across five common incident types.
What You Get
Line-by-line review of each policy against real incident scenarios. Covering cyber, fidelity bond, D&O, policy interactions, vendor coverage, regulatory response, and security warranties.
Five incidents, three policies. Which one responds, which one excludes, and where carriers point at each other. See a sample interaction map.
Prioritized fixes with cost estimates. What to change, what it costs, and what to ask your broker.
Policy Interaction Map
