Your concern is future claims, not future incidents. That’s why all ThreatInformer’s metrics are aligned to your wording and the coverage it provides. Our information is presented within the context of your policy to enable you to decide on coverage limits, retentions exclusions and premium across coverage areas.
ThreatInformer allows you to decline coverage for risks that lead to the most claims and offer market leading pricing to the risks you want to win, increasing your profitability.
Key to understanding cyber risk is an explanation of why and how technical issues affect the likelihood of incidents and claims. Our focus on impact means our reports present technical issues, along with an explanation of the increased risk and suggestions for effective risk management procedures.
These insights put underwriters into a trusted advisor position, improving your ability to demonstrate your expertise and win the risks you want.
Because ThreatInformer is used for all your cyber risks, we have an insight into the technology used by all your insureds. This includes software packages, datacentres and cloud hosting providers.
Alert thresholds are set by you so you know when you are approaching the limits of your risk appetite. Get on-demand reports into the software and service providers that could lead to the most significant claims across your book. With ThreatInformer, systemic risk accumulation is transparent and manageable.
The ThreatInformer testing methodology allows for regular light touch assessments. We frequently update metrics including patching level and service provider usage. With this information, underwriters can provide dynamic pricing or additional coverage to reward insureds that demonstrate good security practices.
Dynamic risk information also provides an opportunity for insurers to actively manage cyber risk across its insureds throughout a coverage period by providing targeted cyber vulnerability information and education to insureds.