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AI Agents
An AI Agent Deleted a Startup's Production Database — Can You Insure Against That?
PocketOS lost its production database to a Cursor AI agent in 9 seconds. The incident exposes a gap in cyber insurance that most policies don't cover: AI-caused operational destruction with no external attacker.
Michael Guiao
7 min read
Claims · · 9 min read
Denied: Why 1 in 4 Cyber Insurance Claims Gets Rejected in 2026
21% of cyber insurance claims were denied or partially denied in 2025, up from 15% two years ago. Here are the specific reasons — and what brokers can do to prevent it.
Claims · · 6 min read
Cyber Claims in 2026: Fewer Claims, Bigger Losses — The Severity Paradox
Cyber insurance claims frequency dropped 53% in early 2025 but average severity doubled for large accounts. What the data means for underwriters pricing risk in 2026.
Cyber Insurance · · 5 min read
Your Policy Says Cyber Event — But What Risk Does That Actually Expose?
Most cyber insurance policies define 'cyber event' so broadly that the term becomes meaningless for underwriting. Here is why that one definition matters more than any exclusion clause.
Cyber Insurance · · 14 min read
Cyber Insurance Policy Wording: 12 Essential Clauses Every Underwriter and Broker Must Check in 2026
Practitioner guide to cyber insurance policy wording — the 12 critical clauses that determine coverage scope, exclusions, and claims outcomes. Written for underwriters, brokers, and risk managers comparing cyber policies in 2026.
Cyber Risk · · 3 min read
Deepfake-Enabled BEC: The Claim Trend Underwriters Cannot Ignore
Business email compromise has been the most financially devastating category of cybercrime for years. Now deepfakes are supercharging that dynamic, and the claims data is starting to reflect it.
Claims · · 8 min read
Cloud Outages, AI Fraud, and Supply Chain Attacks: The New Cyber Claims Frontier
From the CrowdStrike outage to deepfake $25M heists, the cyber claims landscape in 2026 looks nothing like 2023. Brokers must understand five emerging claim categories reshaping coverage.
Ransomware · · 5 min read
Ransomware Claims in 2026: What the Data Tells Underwriters About Pricing Risk
Ransomware claims frequency is shifting again in 2026. Here is what the latest data patterns mean for how underwriters price cyber risk, structure deductibles, and evaluate ransomware-specific endorsements.
blog.featured
The Resilience Stack™: A Five-Layer Framework for Cyber Insurance Risk Assessment
Resilience Stack ·
12 min read
The Cyber Insurance Submission Crisis: 7 Reasons Brokers Can't Afford Manual Risk Assessments in 2026
Cyber Insurance ·
6 min read
Cyber Risk Quantification Tools 2026: The $50K Gap Between Free and Enterprise
Cyber Risk Quantification ·
4 min read
NIS2 Compliance Is Now an Underwriting Requirement — Every Broker's Duty of Care
NIS 2 ·
4 min read
Premium Report
2026 Cyber Risk Landscape Report
24 pages of threat analysis, claims data, and underwriting implications for European cyber insurance.
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