Cyber Insurance MGA Platform
Launch Cyber insurance products in weeks, not months.
Insurnest gives cyber MGAs a purpose-built BRE, ransomware sub-limit configuration, incident response integration, and a distribution stack that handles the complexity of the line — without months of custom build.
Cyber MGAs are leaving premium behind — not because the market is hard, but because their platforms are.
The cyber insurance market is growing at 23% a year. The bottleneck is not appetite. It is the technology stack holding MGAs back from writing the risk they want to write.
Coverage complexity is too slow to configure
Ransomware sub-limits, social engineering fraud caps, business interruption waiting periods, and tech E&O bundling need to move with the market — sometimes quarterly. If every coverage change requires an engineering ticket, you are always six weeks behind the risk. Underwriters end up handling exceptions manually, coverage decisions become inconsistent, and your capacity providers start asking uncomfortable questions about your book management.
SMB quoting takes too long and converts too little
Forty-three percent of cyber claims come from SMBs — but most cyber platforms are designed for the mid-market submission workflow. Asking a small business to fill in a 40-question application for a $5,000 premium is commercial suicide. Brokers stop sending you the business. The volume moves to whoever can quote in under two minutes. That premium does not come back.
Incident response is bolted on, not built in
Policyholders expect their cyber insurer to have an incident response panel ready at the moment of a breach — not buried in a PDF attached to their policy. When IR activation is a manual email chain rather than a platform-triggered workflow, response times slow down, policyholder satisfaction drops, and your claims costs go up. The IR panel is a product differentiator. Most platforms treat it as an afterthought.
A cyber underwriting platform built for the pace and complexity of the line.
Coverage configuration that moves with the market
Configure ransomware sub-limits, social engineering fraud caps, business interruption waiting periods, PCI-DSS breach costs, and tech E&O bundling in a no-code BRE. Your underwriters adjust coverage structures in hours, not weeks. No engineering queue.
SMB straight-through quoting
A short-form application designed for sub-$5M revenue businesses. Instant indicative quote. Bind in under three minutes. Larger risks trigger a managed submission workflow automatically based on revenue, industry class, or coverage amount. You set the thresholds.
Class and industry appetite management
Set underwriting appetite by SIC or NAICS code, revenue band, and geography. Mark healthcare, critical infrastructure, or financial services as referral or declined at the class level. Appetite changes take effect on new quotes immediately.
Incident response panel integration
Your IR panel providers are listed as a product feature at the point of bind. When a claim is triggered, the platform notifies your IR contacts automatically. Policyholders see their response team before they ever need to call you.
What cyber MGAs achieve after going live on Insurnest.
Live in under six weeks
From coverage design to a live cyber product in four to six weeks. Your underwriters configure the BRE. Our onboarding team runs the project. No engineering resource required on your side.
SMB volume that was previously out of reach
Straight-through quoting for sub-$5M revenue risks means brokers send you the volume business they previously placed elsewhere because your application was too long. More quotes in means more bound policies out.
Consistent underwriting across your book
When appetite rules, class exclusions, and sub-limit structures are enforced in the platform rather than managed by individual underwriters, your book decisions become consistent. Capacity providers see a cleaner portfolio. Renewals become more predictable.
Faster IR response, lower claims costs
Platform-triggered IR notification reduces the time between breach discovery and breach coach engagement. Faster containment means lower claims costs. Lower claims costs mean a better loss ratio. A better loss ratio means better capacity terms at renewal.
How we compare to the alternatives.
| Feature | Insurnest | Generic P&C platform | Build in-house |
|---|---|---|---|
| Ransomware sub-limit engine | Native | Custom build required | From scratch |
| SMB straight-through quoting | Included | Requires configuration | 12+ months |
| Class appetite management (SIC/NAICS) | Included | Limited | Complex to build |
| IR panel integration | Included | Not available | Separate project |
| Social engineering and fraud cap config | Included | Not available | Manual build |
| Live in under 6 weeks | 6–18 months | 12–24 months |
Cyber MGAs and coverholders writing with Insurnest.
Book a demo
See the cyber platform live. We will walk through coverage configuration, SMB quoting, and IR panel integration on a working demo environment built for your line of business.
We reply within one business day. No commitment required.
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Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.