Developer of cyber insurance products designed to provide standalone, admitted, individualized, and easy-to-understand cyber insurance coverage. Our cyber risk calculators will quickly determine your Cybercriminals continue to cause havoc on businesses of all sizes. AI and data science can simplify cyber insurance, These Experts Are Racing to Protect AI From Hackers. - great benefits While the ratings provided by ratings agencies can give you a good idea of an insurers financial stability, they aren't perfect. ", "Cyber incidents are the worst days in the professional life of many of our policyholders," says Theresa Le, chief claims officer at Cowbell. Many people and businesses are turning to cyber insurance, which covers losses following . Mid-market companies often have their own tech providers, since they are often ignored by large enterprise vendors. Collision and Comprehensive Auto Insurance, Personal Injury Protection (PIP) Insurance, Life Insurance with Pre-Existing Medical Conditions, A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F, AAA, AA+, AA, AA-, A, A+, A, BBB, BB, B, CCC, CC, C, R, SD, D, Aaa, Aa1, Aa2, Aa3, A1, A2, A3, Baa1, Baa2, Baa3, Ba1, Ba2, Ba3, B1, B2, B3, Caa1, Caa2, Caa3, Ca, C, AAA, AA+, AA, AA-, A+, A, A-, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-, CCC+, CCC, CCC-, CC, C, D, Debt ratio (debt divided by financial assets), Quality of insurance policies written (e.g., not all policies are for high-risk people). Previously, the company's main concern when assessing their cyber risk was the Allianz Cyber Protect* offers flexible, simple and broad coverage to ensure that a company is fully protected in case of a data breach, or other cyber-security incidents. The. Companies with the very best ratings include Geico, State Farm, Mass Mutual and New York Life; they all have the highest possible rating of A++. Many companies and groups monitor the strength of insurance providers, but the most common ones you'll run into are A.M. Best, Standard & Poor's, Moody's and Demotech. Personalize which data points you want to see and create visualizations instantly. What are insurance company ratings? AM Best Affirms Credit Ratings of PMG Assurance Ltd. AM Best Withdraws Credit Ratings of Mandal Daatgal JSC, Bests News: AM Best Says Title Insurers Post Solid Results Amid Volatile Landscape, Insurers and Corporations Pared Head Counts Amid Artificial Intelligence Adoption, Survey Finds, Saga Breaks Off Talks With Australian Insurtech Over Potential Acromas Deal, Desjardins Completes $551.8 Million Deal for Three Guardian Life Subsidiaries, IGI President: Growth Looks Good in Reinsurance and Short-Tail Lines. TrustSpot - TrustSpot rates them 5 out of 5 stars. The site does not review or include all companies or all available products. Phil Edmundson, CEO of Corvus, said that artificial intelligence and data science can simplify the cyber insurance workflow. The insurer has cyber insurance plans for technology companies, public entities, and SMBs. Hiscox specializes in cyber insurance for small businesses. . Yes, Coalition Insurance reviews are favorable from clients across different sectors. Better Business Bureau - The BBB has no ratings. - strong team atmosphere, - not really a con, but need to be flexible to meet growing companys needs, Good people, great culture and amazing opportunity. Established by two cyber security experts, however, the company's overarching goal is to mitigate risk, and it is doing that with the help of a cyber security platform that will, in fact, reduce the risk that its policyholders face cyber attacks in the first place. PLEASANTON, Calif., Sept. 8, 2022 /PRNewswire/ -- Cowbell, the leading provider of cyber insurance for small and medium-sized enterprises (SMEs), today announced application programming. At-Bay's Cyber Insurance policies offer robust first- and third-party coverage on both primary lines and excess lines. You can change your choices at any time by clicking on the 'Privacy dashboard' links on our sites and apps. COWBELL INSURANCE AGENCY LLC is an Alabama Foreign Limited-Liability Company filed on June 15, 2020. Coalition Insurance Reviews 2023 (Ratings, Complaints & Coverage). An insurer's complaint index is one of the key metrics we consider when evaluating the best car insurance companies in the country. PLEASANTON, Calif., Sept. 15, 2022 /PRNewswire/ -- Cowbell, the leading provider . ZDNET Recommends The. This allows you to choose the right coverage, optimize premiums, and implement remediation guidance. This provides greater coverage certainty and long-term stability in cyber insurance. Also:What is cyber insurance? You should consider an insurance carrier's financial rating before purchasing coverage, as it indicates its ability to pay claims, especially in times of financial strain like a natural disaster. They are not authored by Glassdoor. The Symbol, Number, or Score in the Rating Scale used to Denote the Credit Rating Categories and Notches as required by Paragraph (a)(1)(ii)(A) of Rule 17g-7 Beazley Insurance Company, Inc. AM Best #: 011442 NAIC #:37540 FEIN #:04-2656602 Financial Strength Rating View Definition Rating: A (Excellent) Affiliation Code: g (Group Rating) PLEASANTON, Calif., Nov. 9, 2022 /PRNewswire/ -- Cowbell, the leading provider of cyber insurance for small and medium-sized enterprises (SMEs), today announced the launch of its Connector for . Cowbell Cyber, an AI-driven cyber insurance provider for small and medium enterprises, said it raised $20 million in Series A funding to expand its underwriting ability. Businesses can customize coverage to meet their specific exposures and needs with DigiTech, ERM, and Chubb's Widespread Events coverage. Pleasanton, CA. Coalition Insurance offers cyber security services in addition to insurance products. The market is dominated by massive insurers targeting large enterprises, but there will be segments of the market targeting mid-sized and smaller businesses. Yes! Cowbell combines outside-in and within-out continuous risk assessment to deliver coverages that are tailored to identified risks in minutes. To learn more about Cowbell 365, visit https://cowbell.insure/cowbell-365/. While cyber insurance may become part of a tech bundle, or at least easier to acquire, there will be multiple players gunning for policies in a fragmented market. In addition, risk engineers monitor the threat landscape and proactively assist policyholders in adopting industry best cybersecurity practices. We, TechCrunch, are part of the Yahoo family of brands. Once they write the business they disappear. Cowbell, the leading provider of cyber insurance for small and medium-sized enterprises (SMEs), today announced Cowbell 365, an around-the-clock service that offers policyholders comprehensive . Beazley also covers breach response services for up to five million people. An insurance carrier's financial stability is far from the only thing to look at when you're buying insurance. 1134. You can quickly and easily determine the right policy for you with an automated, continuous exposure assessment. Find your private company bowl on Fishbowl, join the hottest conversation with your colleagues anonymously. A good starting point for evaluating your insurer's overall quality of service is how many complaints your insurer has received no company is perfect, but more complaints may be indicative of a company that isn't able to provide an adequate level of service. The company doesn't do its own analysis on the quality of the insurers' service. A++ life insurers include MassMutual, New York Life and Northwestern. According to the National Association of Insurance Commissioners (NAIC), the top 20 cyber insurance providers accounted for 92% of the market in the US. Other ratings and reviews to consider when choosing an insurer, best car insurance companies in the country. The onboarding is robust and process is streamlined. December 17, 2020 01:46 PM (EST) Oldwick //BestWire// - AM Best has affirmed the Financial Strength Rating (FSR) of A++ (Superior) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "aa+" of the subsidiaries of Chubb Limited (Zurich, Switzerland) [NYSE: CB], which include the members of the Chubb US Group of Insurance Companies . It covers the usual costs associated with a cyber-incident, and gives access to AGCS expert partners. The ratings are only useful as a starting point, however. This is my first startup and I personally learnt a lot from this company. This allows you to choose the right coverage, optimize premiums, and implement remediation guidance. If you are a small business owner looking to buy Coalition business insurance, read Coalition insurance reviews to learn about their products. Read small business insurance company reviews including ratings, policy types, customer service, and pricing. Ft. 13 Steeple Chase Dr, Hampstead, NH 03841. Cowbell Cyber also has a free risk assessment service called Cowbell Factors, which adds a freemium element to selling cyber policies. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Cowbells proprietary technology, coupled with industry-best cyber insurance products, has led to success with the strongest broker/agency partners across the US. Yes, Coalition is a specialized company that focuses on providing cyber insurance, and yes, Coalition makes heavy use of innovative technologies to do so. The results are based on Cowbell Factors, a data-driven, unbiased means to benchmark an enterprise against industry peers. About Cowbell Cyber. This employer has claimed their Employer Profile and is engaged in the Glassdoor community. "Cyberattacks are always traumatic. Redirecting to https://www.coalitioninc.com/insurance (308) Explore institutional-grade private market research from our team of analysts. An A from one agency may be better or worse than an A from another. The FSC is based on adjusted policyholders' surplus (PHS) in U.S. dollars and may be impacted by foreign currency fluctuations . However, all ratings companies are basing their decisions on approximately the same data. Cowbell is signaling a new era in cyber insurance by harnessing technology and data to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk exposures bundled with cyber insurance coverage adaptable to the threats of today and tomorrow. You're depending on that company to be around to pay a claim should you need them to and that they'll be able to do so in a timely, efficient manner. Read employee reviews and ratings on Glassdoor to decide if COWBELL CYBER, Inc. is right for you. Qualifications: 4-8 years software engineering experience. COWBELL CYBER, Inc. Smaller enterprises may not have the coverage. I interviewed at COWBELL CYBER, Inc. (United States) in Jan 2023. The Coalition Insurance reviews are above average online. The goal of insurance company financial ratings is to evaluate the financial strength of an insurer: how able the company is to withstand a struggling economy, increased claims or other financial hardship. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. Financial Strength Rating Search Standard & Poor's ratings for insurance companies. Cowbell, the leading provider of cyber insurance for small and medium-sized enterprises (SMEs), today announced the debut of Adaptive Cyber Insurance - a dynamic approach to insure constantly . Editorial Note: The content of this article is based on the authors opinions and recommendations alone. For example, Merced Insurance had an A- rating from A.M. Best, but the company went bankrupt in 2018 after the extensive wildfires that occurred in California that year. Reviews and are not edited or altered. Artificial Intelligence & Machine Learning Report. The company's more than 10,000 existing clients benefit not only from insurance products, but also from cyber security tools that focus on risk management. . If you do not want us and our partners to use cookies and personal data for these additional purposes, click 'Reject all'. Click to reveal Minimum coverage Full coverage Find Cheap Auto Insurance Quotes in Your Area Currently insured? Pleasanton, California-based Cowbell Cyber raised a $20 million Series A as more small and medium-sized enterprises look for insurance against the growing number of cyberattacks.. Cyber risk to businesses is becoming more important than ever. Find Insurers 3 Best Small Business Insurance Companies (2023). All rights reserved. Unlike other types of insurance, such as General Liability Insurance or Workers' Compensation coverage, Cyber Insurance is a type of coverage uniquely tailored to the needs of each company - and Coalition offers more than insurance alone. Cowbell's AI-powered platform compiles a set of risk rating factors that assess an organisation's cyber risk in real-time along several factors, including network security, cloud, compliance, and other security best practices. Its never easy but Cowbell eases most of the common SU pain points. The action you just performed triggered the security solution. Highlights of the product include: Clarity of coverage: Prime 250's . Standard & Poor's and Moody's do not specialize in a specific industry and are widely used across many types of businesses worldwide, including insurance. Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. The company delivers cyber insurance policies customized to the needs and identified risk exposures of each organization. Summary: Not what I am used to as an insurance agent. The people are amazing and so hardworking, and it's really interesting being involved in a startup. Cowbell Insurance Agency is currently licensed in 50 U.S. states and the District of Columbia. Here are a few options to consider. For large enterprises, cyber policies are increasing the cost of doing business. Travelers'policies fall into these categories: Compared to the big insurers, Beazley isn't a household name, but NAIC rates the firm No. Every business and organization should have both cyber liability Cyber insurance is a must for any business that uses computers to perform day-to-day tasks. Cyber insurance companies may also shortchange the mid-market. The World Economic Forum's 2023 Global Cyber Security Outlook reports, "smaller organizations do not often have the capacity to respond to incidents and are more likely to be economically paralyzed by a major attack. COWBELL CYBER, Inc. Financial Size Category (FSC) AM Best assigns each rated (A++ through D) insurance company a Financial Size Category (FSC). Cowbell Insurance Agency is a fully owned subsidiary of Cowbell Cyber and currently licensed in 15 U.S. states with plans to cover all 50 by the end of 2020. 4 with 11.2% market share just behind Travelers. Using Ganttic, you will have a good grasp on both the allocation and utilization of your resources. The Registered Agent on file for this company is Isl Inc. and is located at 2 N. Jackson Street, Suite 605, Montgomery, AL 36104. Cowbell 365 provides 24-hour availability every day of the week, 365 days of the year, bringing unprecedented levels of expertise and responsiveness from its in-house . You may need to check with the ratings company directly to learn how a particular insurer did. Cowbell is signaling a new era in cyber insurance by harnessing technology and data to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk exposures bundled with cyber insurance coverage adaptable to the threats of today and tomorrow. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Following are some of the answers to commonly asked Coalition insurance questions: Yes, Coalition Insurance offers two different kinds of commercial insurance primarily geared toward businesses within the health, ecommerce, manufacturing, and legal sectors. The Registered Agent on file for this company is C T Corporation System and is located at 330 N Brand Blvd Ste # 700, Glendale, CA 91203. Create clear and comprehensive visual plans that give you an instant overview of all your resources and projects. March 2, 2023. COWBELL SPECIALTY INSURANCE COMPANY is a California Stock Corporation - Out Of State - Stock filed on January 23, 2023. New hackers use new techniques to exploit new vulnerabilities and use new methods of collecting ransoms. Qualifications: 10+ years software engineering experience. Everything you need to know|Cyber insurance roundtable: Why cyber insurance has a supply issue. If we have made an error or published misleading information, we will correct or clarify the article. As a Managing General Agent (MGA), At-Bay underwrites insurance policies through HSB Specialty Insurance Company, part of Munich Re, and Trisura Specialty Insurance Company. ZDNET's editorial team writes on behalf of you, our reader. Founded in 2019, Cowbell is based in the San. Which insurance companies have "A" ratings? Pre-rating and prep of risk for underwriting . It makes sense then that. Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. Cowbell Insurance Agency LLC ("Cowbell") is a licensed Property & Casualty ("P&C") insurance producer in the states where it transacts insurance. The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice. The new round was led by Brewer Lane Ventures, with participation from Pivot Investment Partners, Avanta Ventures, Markel Corp. and existing investors ManchesterStory, Tri-Valley . On their website they say, "We're here to solve cyber risk. If an insurer has a drastically different rating from one rating agency to another, you should do further research to determine the cause of the discrepancy. If your company isn't listed, you can usually also find its financial ratings on its website. How Much Does General Liability Insurance Cost? Does At-Bay Offer System Failure Coverage? Find a Great First Job to Jumpstart Your Career, Getting a Job Is Tough; This Guide Makes it Easier, Climb the Ladder With These Proven Promotion Tips, A Guide to Negotiating the Salary You Deserve. Travelers takes a broader approach to cyber insurance, with plans designed to mitigate risks for companies of all sizes. Your law firm is more vulnerable to cyber risks if it relies on the Internet, wireless connections and mobile devices, as well as other technology. 2 Beds. Power, a consumer research company. This ebook, based on the latest ZDNet / TechRepublic special feature, helps small and medium-sized businesses build a technology stack that promotes innovation and enables growth. Public, 9-12 Serves this home. While the average annual cost of Cyber Security coverage is around $1,500, the cost of coverage through Coalition will depend on your business' Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History. I have a few working theories about thecyber insurancemarket: In any case, cyber insurance scouting needs to commence for businesses. Some states, including Michigan and Florida, also share this information on a statewide level, so check to see if you can get more local insight. One of the questions was When to use regularization? These factors are then automatically matched to the most relevant coverage for each business. Artificial intelligence techniques determine your insurance threat rating. But wading through insurers can be a bit daunting. 4.9 / 5.0. Travelers 3. Management focuses on providing the best environment for everybody to do their best, learn and develop their career. A rating also includes things like the amount of cash the company has in reserve and whether the company has returned a profit in the recent past. Why you should check Bupa, HCF and others, You could be overspending on your health insurance, Morningstars Best AU/NZ Stock Ideas Feb 2023, https://www.prnewswire.com/news-releases/cowbell-365-elevates-policyholder-experience-with-cyber-claims-handling-and-risk-mitigation-301757699.html. 5.6mi. Cowbell Cyber is hiring a Sr. Software Engineer (Backend) to join our team. The company's portfolio includes cybersecurity awareness training, continuous risk assessment, and pre- and post-breach risk improvement services. Verify your email to use filters. Students. Experience with Java Microservices, ELK and RDS/Postgres. How Much Liability Car Insurance Do You Need? Cowbell Cyber is hiring a Sr. Staff Software Engineer - Backend to join our team. Improve Receive continuous risk assessments and recommendations to mitigate risk and optimize premiums via Cowbell Insights and the Cowbell Risk Engineering team. Financial ratings companies consider a wide variety of factors but primarily look at how well the business is doing financially, how responsibly it is run and external factors like vulnerability to natural disasters. Cowbell Cyber makes cyber insurance coverage accessible to all. Ganttic is a resource management software that excels in high-level resource planning and managing multiple project portfolios at once. Companies with the very best ratings include Geico, State Farm, Mass Mutual and New York Life; they all have the highest possible rating of A++. This employer has claimed their Employer Profile and is engaged in the Glassdoor community. Job Description. 1,653 Sq. With a mission of risk mitigation, however, Coalition's team also offers another advantage - that of offering the tools that allow companies to prevent cyber attacks before they ever happen. An entire team of in-house cyber professionals is behind the policy, including experienced cyber claims counsel and specialists, a cyber claims operations team dedicated to swift payments and claims processing, and best-in-class incident response vendors. We couldn't find any Coalition Insurance reviews for quoting. They offer: Coalition is able to offer coverage to companies of any size, including small startups, with a focus on sectors that face the largest cyber security threats. Beazley claims to be the "world's best designed cyber insurance solution." For the most part, the biggest insurance companies in the United States all have very strong financial ratings. A minimum-coverage policy from Mile is $44 per month, or $528 per year, which is 36% cheaper than the average of its competitors for these drivers. This new multi-year agreement with Cowbell is backed by AM Best "A" rated or higher global reinsurance providers, and will add to the current carriers and reinsurers already supporting Cowbell's portfolio of standalone cyber insurance programs. However, keep in mind that an insurer may choose to highlight the best scores it has received: If it received an "A" from one ratings agency and a "B" from another, it may opt to only feature only the better score. Check out Coalition Insurance reviews, ratings, complaints & coverage for cyber liability, errors and omissions and other small business insurance commercial policies. AIG has a network of vendors to restore and recover, too. We've compared the A.M. Best ratings for several top insurance companies below. Full-coverage costs $65 per month, or $780 per year 93% less expensive than average. Rio Rico High School. If you see inaccuracies in our content, please report the mistake via this form. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. Posted: February 24, 2023. Therefore, credit ratings issued and endorsed by AMB-EU may be used for regulatory purposes in the EU as per Directive 2013/36/EU. Become a cyber expert, driving new business and cross sell opportunities for our partner agencies . This will set the highly-personalized quoting process in motion, as Coalition needs to gain insights into your company's risk profile. Every rating agency has its own methodology (and uses its own rating scale), so ratings will vary somewhat among insurers. They do not service my clients well. At Cowbell, our mission is to protect small to medium-sized enterprises from evolving cyber threats. 1. As a specialized insurance company, Coalition Insurance reviews are above average and have financial backing from A-rated insurers. . 9.5. AIG's cyber insurance can be used standalone, or added to an existing policy as an endorsement. Resilience offers cyber insurance with a few interesting perks. Great work life balance and very inclusive. The company recently raised $20 million in venture funding. Every business is at risk as cyberattacks increase in severity. First, it combines insurance and expertise like the large players. Cowbell has redefined cyber insurance through its unique claims and risk engineering servicing. Championing adaptive insurance, Cowbell follows . We researched fifteen of the best cyber insurance companies, choosing our top 5 based on cyber protections, reputations, and ratings with AM Best, the credit rating agency for the insurance. Cowbell Factors is a set of proprietary multivariate risk ratings based on inside-out and outside-in data, libraries of insurable threats, and artificial intelligence that contribute to the. Considering the financial stability of your insurance carrier before you purchase coverage is important because your insurer has an ongoing financial obligation to you. Coverage is specifically designed for cyber risk exposurenot entwined with other lines of coverage. This means not only preventing security failures, but helping organizations mitigate and recover from them when they occur. AM Best is a global credit agency, news publisher and data analytics provider specializing in the insurance industry. All answers shown come directly from COWBELL CYBER, Inc. This website is using a security service to protect itself from online attacks. Distance. As this reduces the risk that a company will ever fall victim to digital crimes, which are on the rise and threaten nearly every sector now, Coalition's approach offers many advantages beyond insurance alone. 2023 ZDNET, A Red Ventures company. Cowbell is the leading provider of cyber insurance for small and medium-sized enterprises (SMEs) and the pioneer of Adaptive Cyber Insurance. The company, which recently raised $100 million in venture funding, uses a broker-focused approach to use AI to analyze data to predict and prevent loss. There is a bevy of other providers -- and many insurers offer cyber insurance as part of a broader package of business offerings. All types of insurance companies receive financial ratings, including auto, home, life and health. Analyzed and monitored the financial development of 15 French insurance companies since 2002 and created a report for clients in French . How Much Does Workers Comp Insurance Cost? This empowers policyholders and allows them to improve their cyber risk posture. Glassdoor has 9 COWBELL CYBER, Inc. reviews submitted anonymously by COWBELL CYBER, Inc. employees. A.M. Best was founded in 1899 by Alfred M. Best with the mission to report on the financial stability of insurers and the insurance industry. Testing RFID blocking cards: Do they work? The company bundles pre- and post-breach services provided by Symantec, as well as a hub to evaluate risks. Survey Answers Target Client Size up to $250M Does US business in Northeast, Southeast, Midwest, Southwest, West Does international business in N/A Primary Service Offering Insurance Carrier Power's rankings are completely dependent on consumer reviews. Ransomware attacks cost an average $5 million and take an average of 191 days to uncover that an organization has been compromised. Cowbell delivers standalone cyber coverage tailored to . It uses risk signals, artificial intelligence (AI), and technology to provide solutions to agents and brokers. Hiscox. Founded in 2019, Cowbell is based in the San Francisco Bay Area with employees across the U.S., Canada, India, and the U.K. For more information, please visit https://cowbell.insure/. 2023 PitchBook. The National Association of Insurance Commissioners calculates every insurance company's complaint index based on how many complaints the company received compared to the amount of insurance it sells. Through these reviews, it becomes clear that Coalition has an extremely responsive team. 5-Star Diversity, Equity and Inclusion Award. Companies that provide financial ratings to insurers. Everything you need to know, Google Cloud's partnership with Munich Re and Allianz is a start, Berkshire Hathaway Group's Three small business insurance portfolio, Do Not Sell or Share My Personal Information. Large firms such as Equifax, Marriott, and SolarWinds all had coverage to cushion their hits from high-profile data breaches. 1 reviews. Media Contact John KreuzerLumina Communications for Cowbell CyberCowbell@LuminaPR.com408-963-6418, View original content to download multimedia:https://www.prnewswire.com/news-releases/cowbell-365-elevates-policyholder-experience-with-cyber-claims-handling-and-risk-mitigation-301757699.html, Over 40? Do you need one? It is the oldest and most widely recognized provider of ratings, financial data and news with an exclusive insurance . Among these are the healthcare and legal sectors, which are responsible for extremely sensitive data, as well as ecommerce and manufacturing. Coalition currently has more than 10,000 customers who have insured over $12 billion of their risk. Redfin recommends buyers and renters use GreatSchools information and ratings as a first step, . and so hardworking, and it's really interesting being involved in a startup. "It represents the ability of high-caliber experts in cyber claims and risk engineering to mitigate and strengthen the cyber risk posture of an organization, helping policyholders become proactive in their approach to cybersecurity and incident response mitigation.".