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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
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.
Underwriting · · 10 min read
The Death of the Questionnaire: Why Underwriters Now Demand EDR Telemetry Before Binding
Self-reported security questionnaires are dead. Coalition, At-Bay, and Corvus now require EDR telemetry, MFA logs, and backup restore proofs before binding. A practitioner guide to what evidence underwriters demand at renewal — and what happens to the premium when it is missing.
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.
Cyber Insurance · · 7 min read
Healthcare Ransomware +14%: Why Billers Now Drive Cyber Claims
H1 2026 healthcare ransomware hit 410 incidents, but the loss pattern shifted to billers and wholesalers. Here is what that changes for cyber underwriting.
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
AI Tooling RCE: The Sublimit Layer Underwriters Rarely Underwrite
Cyber Insurance ·
9 min read
SolarWinds SAML Bypass: The IT Ticketing Supply-Chain Path
Cyber Insurance ·
9 min read
AM Best and S&P Flag Cyber Pricing Risks: What Underwriters Should Do at Renewal
Cyber Insurance ·
7 min read
One Salesforce Integration Breach Just Hit 200 Cyber Insureds
Cyber Insurance ·
8 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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